Citi Prestige®
The Citi Prestige® from Citi earns up to 4% effective value on dining in Madeen's catalog snapshot. Its annual fee is $495. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 4%
- Annual fee
- $495
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Citi Prestige earn in each category?
Dining is the strongest category at 4% effective value (5x points at about 0.8 cents each). That dining rate ranks higher than about 86% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 4% effective value (5x points at about 0.8 cents each). That dining rate ranks higher than about 86% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 5x points | 4% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 0.8% |
| Gas Gas stations and fuel | 1x points | 0.8% |
| Travel Flights, hotels, transit | 5x points | 4% |
| Other General everyday spend | 1x points | 0.8% |
Madeen values Citi ThankYou Rewards at about 0.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Citi Prestige reward caps and conditions?
The Citi Prestige has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 5 Citi ThankYou points per dollar spent at restaurants, airlines and travel agencies
- 3 Citi ThankYou points per dollar spent at hotels and cruise lines
Who should get the Citi Prestige?
The Citi Prestige fits spenders who put meaningful volume in dining and can earn 5x points. Best for spenders who put meaningful volume in dining and can earn 5x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Citi Prestige fits spenders who put meaningful volume in dining and can earn 5x points. Madeen ranks its dining effective rate higher than about 86% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 5x points.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $495 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 4% effective (5x points).
- That dining rate ranks higher than about 86% of cards we track in the category.
- No foreign transaction fee listed.
Cons
- $495 annual fee requires enough spend in bonus categories to offset.
- Citi ThankYou Rewards value depends on how you redeem, not straight cash back.
Does the Citi Prestige have an annual fee, and what's the welcome bonus?
The Citi Prestige has an annual fee of $495 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $495
- Foreign transaction fee
- None
What benefits come with the Citi Prestige?
The Citi Prestige includes Banking Relationship Annual Credit, Citi Entertainment®, Complimentary 4th Night Hotel Stay in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Banking Relationship Annual Credit
Each cardmember year, earn a $145 statement credit when you have a qualifying Citigold account, are billed a $495 Annual Fee, and remain a cardmember. For each Authorized User on your account, you will receive a $25 statement credit each cardmember year when you are billed a $75 Authorized User Fee.
- Citi Entertainment®
Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.
- Complimentary 4th Night Hotel Stay
Complimentary 4th Night at a hotel of your choice after a minimum 4 consecutive night booking through ThankYou.com (based on your average night stay, exclusive of taxes and fees). This benefit can be used up to two times per calendar year.
- Extended Warranty
Get an extra 24 months added to your warranty when you purchase items at least in part with your Citi card and/or ThankYou® Points. If your eligible item breaks, we’ll repair, reimburse or replace it, up to the amount charged on your Citi card and/or ThankYou® Points or up to $10,000 per item, whichever is less.
- Get a Global Entry or TSA PreCheck® Application Fee Credit on your statement up to $100
every 5 years, as a reimbursement of your application fee for Global Entry or TSA PreCheck.
- Points Transfer
Easy points transfer to certain airline loyalty programs, including TrueBlue, Virgin Atlantic Flying Club and Singapore Airlines Krisflyer.
- Purchase Protection
With your Citi Prestige World Elite™ Mastercard® Credit Card shop with more confidence – Purchase Protection covers purchases made with your Citi Prestige Card if they are damaged or stolen within 90 days of purchase. You’re covered for up to USD 2,000 per claim and a maximum of USD 5,000 over a 12-month period. The item will either be replaced with a brand new one, or you will be reimbursed for the full value of the item as per the store receipt.
- Up to $250 Travel Credit Every Calendar Year
There's no need to enroll, your credit is applied automatically to eligible travel purchases. Now, through December 2021, supermarket and restaurant purchases will also count towards the $250 Travel Credit.
Common questions about the Citi Prestige
Does the Citi Prestige have an annual fee?
The Citi Prestige carries an annual fee of $495 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Citi Prestige?
Dining is the strongest Madeen category for the Citi Prestige at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Citi Prestige charge foreign transaction fees?
The Citi Prestige does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Citi Prestige annual fee worth it?
Whether the $495 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Citi Prestige?
Madeen's catalog lists a typical credit range of Good for the Citi Prestige. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Citi Prestige?
Rewards on the Citi Prestige post as Citi ThankYou Rewards. Redemption value depends on how you use Citi ThankYou Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Citi Prestige compare to similar cards?
Compare the Citi Prestige against Citi Custom Cash℠ (4% on Dining, $0 fee); Citi Forward (4% on Dining, $0 fee); Citi / AAdvantage Platinum Select World Elite Mastercard (3% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Citi Prestige This card | Dining | 4% | $495 |
| Dining | 4% | $0 | |
Citi | Dining | 4% | $0 |
| Dining | 3% | $99 | |
| Dining | 3% | $350 |
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