Citi Prestige 2021 Review: 5x Points for Essentials


Top perks

50,000-point sign-up bonus: You’ll receive these 50,000 bonus points when you spend at least $4,000 on purchases within three months of opening the credit card account.

Up to 5 points per $1: The rewards rates for the Citi Prestige® Card are as follows:

  • 5 points per $1 on air travel and at restaurants
  • 3 points per $1 at hotels and on cruise lines
  • 1 point per $1 on all other spending

These are some of the highest rewards rates you’ll find, even from the best travel rewards cards, and they give the Citi Prestige® Card some serious earning potential.

$250 annual travel credit: This card will cover your first $250 in annual travel, and the credit applies to any type of travel purchase. Citi has also expanded this annual credit so that it covers grocery store and restaurant purchases through the rest of 2020, making it easy to use your credit even if you don’t travel because of the coronavirus pandemic.

Complimentary fourth night on paid hotel stays (up to two free nights per year): When you make a paid hotel booking of at least four nights, the fourth night is free. So on a four-night booking, you’d pay for three nights, and on an eight-night booking, you’d pay for six nights. While this benefit could previously be used as often as the cardholder liked, it’s now capped at two free nights per calendar year.

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Global Entry/TSA PreCheck credit: Like many travel cards, the Citi Prestige® Card will issue you a credit for either your Global Entry or your TSA PreCheck fee, enabling you to get through airport security more quickly. Because a Global Entry membership will include a TSA PreCheck membership but not vice versa, you should always go with Global Entry.

Airport lounge access: You’ll get a complimentary membership to Priority Pass Select, which has a network of airport lounges covering most of the major airports in the world.

Cell phone insurance: If you pay your cell phone bill with the Citi Prestige® Card, you’ll get complimentary cell phone insurance protecting against damage or theft.

Citi ThankYou Rewards redemptions: When you have the Citi Prestige® Card, you can either transfer points to a travel partner in the Citi ThankYou Rewards program or redeem them for $0.01 per point towards travel purchases. Transfers are a great way to maximize Citi ThankYou points, because you can get over $0.03 per point this way with the right award booking.

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