Citi Prestige Card Calculator

Card Review & ThankYou Points Calculator
5x Dining
5x Airfare
3x Hotels
3x Cruise Line
$250 Travel Credit
4th Night Free
$100 Global Entry Credit
Priority Pass Select

Review the benefits of the Citi Prestige Card, calculate how many ThankYou Points you can earn based on your spend, and compare results to top travel cards.

The Citi Prestige Card is Citi Bank's luxury travel card which is consistently compared to both Chase's Sapphire Reserve Card and AMEX's Platinum Card. The card is packed with elite travel benefits you would expect for a card with a $495 annual fee such as $250 in travel credits, Global Entry/TSA PreCheck Credit, and a good return on travel purchases. What sets this card apart from other luxury cards is it's 4th Night Free perk which allows cardholders to book a 4-night consecutive stay and get the 4th night free. It's a simple concept that can save a great deal of money depending on the hotel.

Bonus Categories

The Citi Prestige Card features four bonus categories which are dining, airfare, hotels, and cruise line spend. There is no limit to the amount of bonus ThankYou Points you can earn in the bonus categories and no limit to the amount of points you can earn with the card overall.

  • 5x Airfare
    • Airfare must be purchased directly with the airline.
  • 5x Dining
    • Includes cafes, bars, lounges, and fast food restaurants.
    • Purchases at bakeries, certain restaurant/cafes inside department, grocery, or warehouse stores will not qualify for this bonus category.
  • 3x Hotel
    • Hotel must be booked directly with the hotel brand.
  • 3x Cruise Line
    • Cruise must be booked directly with the cruise line.
  • 1x Non-Category

Perks & Benefits

The Citi Prestige is a premium travel card so it comes with a bunch of useful travel benefits including complimentary nights, lounge access, annual travel credit and more.

  • Complimentary 4th Night Free Perk
    • Must book 4 consecutive nights at any hotel through
    • Can be used twice per year.
  • Priority Pass Membership
    • Applies to primary and authorized users of the Citi Prestige Card.
    • Maximum of up to two guests or immediate family members (spouse, domestic partner and/or children under 18 years of age).
    • Additional guests will cost $27 per guest, per visit.
  • $250 Travel Credit
    • Applies to all purchases that Citi considers to be travel which includes:
      • Airlines
      • Hotels
      • Car rental agencies
      • Travel agencies/travel aggregators/tour operators
      • Gas stations, commuter transportation
      • Ferries
      • Commuter railways
      • Subways
      • Taxis/limousines/car services
      • Passenger railways
      • Cruise lines
      • Bridge and road tolls
      • Parking lots/garages
      • Campgrounds and trailer parks
      • Timeshares
      • Bus lines
      • Motor home/recreational vehicle rentals
      • Boat leases and rentals
  • Global Entry/TSA PreCheck Credit
  • Citi ThankYou Points Transfer
  • Cell Phone Protections

Sign Up Bonus (SUB)

The standard sign up bonus for the Citi Prestige is 50,000 points after spending $4,000 within the first 3 months of account opening. This is worth at least $500, but can be worth a lot more when you transfer ThankYou Points to airline partners.


Annual Fee

The annual fee for the Citi Prestige Card is $495. Since the Prestige Card features an annual travel credit of $250 the true cost of the card is $200 per year. If you use the 4th Night Free perk and shop in the 5x and 3x categories, you should easily be able to make up for the fee. In my opinion, using the card for the 4th night free perk once or twice a year should easily cover the fee without any real spend on the card.

Authorized User Fee

The Citi Prestige Card's authorized user fee is $50 for each additional user with it rising to $75 in September 2019. With the significant increase in earning rates, I would recommend adding family and friends as authorized users. Any user that spends at least $67 per month in the 5x categories or $112 per month in the 3x categories will easily make up for the additional user fee.

Foreign Transaction Fee

The Citi Prestige Card does not have a foreign transaction fee. This allows you to use the Prestige Card worldwide without worrying about being penalized for purchases overseas.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

Recommended Reads