Citi Prestige Credit Card Review – 60,000 Point Sign Up Bonus ($960 In Travel)



The Citi Pretige card is issued by Citi Bank and is their most premium travel credit card. In this review we will be looking at the benefits & negatives to this card and who it’s best suited to. Along with the minimum credit score we’d recommend you have before applying.

 citi prestige credit card review

Interest Rates

Fees

Card Pros

  • Sign up bonus of up to 60,000 ThankYou Points (TYPs)
  • TYPs can be redeemed for 1.6¢ for American Airline flights
  • $250 Air Travel Credit

Card Cons

  • High annual fee of $350-$450
  • 3
APR: 15.24% Annual Fee: $350-$450 and $50 per authorized user
Introductory APR: None Balance Transfer Fee: $5 or 3%, whichever is greater
Introductory APR Length: None Cash Advance Fee: $10 or 5% whichever is greater
Cash Advance APR: 25.24% Foreign Transaction Fee: None
Penalty APR: 29.99% Late Payment Fee: $35
Grace Period: 23 days Over The Credit Line: None
Minimum Interest Charge: $0.50 Returned Payment: $35

Application Information

What Credit Score Is Required

Unfortunately Credit Karma does not provide this data for the Citi Prestige card, so we are relying on only Credit Boards. To make matters worse, Credit Boards does not have any data for this card. Please share your experiences in the comments.

Credit Boards
Lowest approved score ?
Average approved score ?

apply now big



What Credit Bureau Does Citi Pull For The Prestige?

The credit bureau that Citi will pull is dependent on where you live. Use the Credit Boards Credit Pull app, select your state and type in Citi for data points.

What Credit Limit Will I Receive?

Keep in mind this is only based on two data points.

Minimum Credit Limit Highest Reported Credit Limit Average Credit Limit
$10,000 (might be lower) $31,000 $20,500

Rewards Program

This card earns Citi ThankYou points (TYP).

Earning Rewards

The amount of TYP’s you’ll earn is dependent on what category you’re spending money in. Here is the breakdown:

  • 3x points per $1 spent on all Air Travel & Hotels Spend
  • 2x points per $1 spent on all spend at restaurants and entertainment
  • 1x point per $1 spent on all other purchases

Sign Up Bonus

At the moment there are three different sign up bonuses on the Citi Prestige card.

Current Sign Up Bonus
Sign Up Bonus History

Public Offers:

Targeted Offers:

Redeeming Your Rewards



There are multiple things you can redeem your Citi ThankYou points for.

Transfer To Travel Partners

Citi has a number of travel partners that you can transfer points to. Below are a list of these partners, they transfer at a rate of 1:1 unless otherwise listed (e.g 1,000 ThankYou points can be converted into 1,000 Singapore Airline miles).

Hilton (1:1.5 rate) EVA Air Infinity MileageLands Malaysia Airlines Enrich
AirFrance-KLM Flying Blue Etihad Guest Qatar Airways Privilege Club
Asia Miles Garuda Indonesia Frequent Flyer Singapore Airlines KrisFlyer
Thai Airways Royal Orchid Plus Virgin Atlantic Flying Club Qantas
JetBlue (1:0.8 rate, 0.5 with Preferred) Sears SYWRP (1:12) Jet Airways JetPrivilege
Turkish Airlines Miles & Smiles

The value you get out of this will depend what you then do with the points you’ve converted.

American Airlines/United Airways Flights

When you have the Citi Prestige card you can redeem TYP for paid AA/UA flights. When doing this redemption you get a value of 1.6¢ per point.

Other Flights

You can also redeem your points for flight with other airlines, although this has a slightly lower point value coming in at 1.33¢ per point.

Shopping

Like most rewards portals, Citi has a shopping section. Points are worth 1¢ a piece when using this option (apart from merchandise which will vary based on how much othestores are charging for the same product)

Card Benefits

Given that this card is a premium travel credit card with a high annual fee, you’d expect it to come with a range of benefits. It’s competing with other products in the market place such as the American Express Platinum. Below is a list of all of the benefits this card comes with along with a summary of each benefit. The full benefit terms & conditions can be found here.

Our Verdict

apply now big

We Recommend This Card For:

We Don’t Recommend This Card For:

F.A.Q’s & Tips


6 Responses to Citi Prestige Credit Card Review – 60,000 Point Sign Up Bonus ($960 In Travel)

  1. Pingback: How To Book A Free Round Of Golf For More Than One Person With A Citi Prestige - DAD CC Cards

  2. Pingback: List Of Churnable Credit Cards - DAD CC Cards

  3. Pingback: Best Posts Last Week: Chase Ink 70,000, Mercedes-Benz 75,000, PNC $300 & Wells Fargo $100 Checking - DAD CC Cards

  4. Pingback: Citi Now Limiting You To One ThankYou Point Bonus Per 24 Months - DAD CC Cards

  5. Ron says:

    I was approved with a $5,000 credit limit. After finding out I was approved, I went ahead and moved over credit from a card I wasn’t using though.

  6. Pingback: Credit Cards That Offer Priority Pass Memberships Compared - What Are The Differences? - DAD CC Cards

Leave a reply

Your email address will not be published. Required fields are marked *. Please do not share your referral links/codes unless the post specifically states it's allowed. If the post states it is allowed please follow the rules carefully. If you'd like an image next to your comments please create a gravatar. Most of all please be kind and respectful to each other. 

Last Posts


Back to Top ↑