Citi Prestige
$495/year, earning Citi ThankYou Points, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The Citi Prestige is a $495/year card from Citi earning Citi ThankYou Points. It earns 5x on dining, 5x on airlines, 3x on hotels and 1x on everything else. It carries 1 recurring statement credit worth $250 a year, listed in full below with the cap and reset date for each.
What it earns
Rates are the multipliers Citi advertises. We do not convert them into a percentage return, because that requires putting a price on Citi ThankYou Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Dining | 5x | |
| Airlines | 5x | |
| Hotels | 3x | |
| Cruise | 3x | |
| Other | 1x | Everything else |
Statement credits
$250 a year across 1 credit against a $495 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Fourth Night FreeFree fourth night on hotel bookings paid for with points or cash, up to twice per year | Once a year | ~$800 |
| Global Entry/TSA PreCheck CreditStatement credit every 5 years for Global Entry or TSA PreCheck application | Every 4 years | ~$25 |
Status and included memberships
- Priority Pass Select — Unlimited Priority Pass airport lounge access with two free guests
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Cell Phone Protection — Coverage up to $800 per claim with $50 deductible, covers theft and damage
Questions people ask about the Citi Prestige
What is the annual fee on the Citi Prestige?
The Citi Prestige has a $495 annual fee.
What statement credits does the Citi Prestige include?
It carries 1 recurring statement credit worth $250 a year in total: $250 Annual Travel Credit ($250, resets on the cardmember year). Verified 2026-09-20.
What does the Citi Prestige earn?
5x on dining, 5x on airlines, 3x on hotels, 3x on cruise, and 1x on everything else, in Citi ThankYou Points.
Is the Citi Prestige worth the annual fee?
Its recurring statement credits total $250 a year against a $495 fee, so the card pays for itself on credits alone if you use 100% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Citi Prestige charge foreign transaction fees?
No — the Citi Prestige has no foreign transaction fee.
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