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 Select 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 or TSA PreCheck Credit
    • Global Entry is for speeding through customs when re-entering the states; also grants TSA PreCheck if approved.
    • TSA PreCheck is for expedited screening through TSA checkpoints.
  • 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.
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Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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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.
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Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
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Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
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From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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