ThankYou Points Calculator: Citi Prestige vs Citi Premier

Calculate and compare side by side how many ThankYou Points you can earn with the Citi Prestige vs the Citi Premier based on your spend and annual fees.

When it comes to building a solid amount of ThankYou Points, your best best is going to be combining the Citi ThankYou Rewards+ Card with either the Citi Prestige or Citi Premier Card. Both the Prestige and Premier offer excellent benefits and both are worth the price tag. But which one is better? As usual, it's going to depend on your spend and travel habits.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The Citi Prestige Card features four bonus categories. Those bonus categories are airfare, dining, hotels, and cruise line purchases. There is no cap on any of the Prestige Card's bonus categories and there is no limit to the amount of ThankYou Points you can earn with the card.

The Citi ThankYou Premier Card has three bonus categories which are travel, dining, and entertainment. There is no cap on any of the Premier Card's bonus categories and there is no limit to the amount of ThankYou Points you can earn with the cards.

Citi Prestige

  • 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

Citi Premier Card

  • 3x Travel
    • Citi considers the following to be travel purchases:
      • 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
  • 2x Dining
    • Includes cafes, bars, lounges, and fast food restaurants.
    • Purchases made at bakeries, certain restaurants/cafes inside department, grocery or warehouse stores will not qualify.
  • 2x Entertainment
    • Citi considers entertainment purchases to be:
      • live entertainment
      • live theatrical productions
      • concerts
      • live sporting events
      • movie theaters
      • amusement parks (including zoos, aquariums, circuses and carnivals)
      • tourist attractions (including museums, and art galleries)
      • record stores
      • video rental stores
      • on-demand internet streaming media
  • 1x Non-Category

Perks & Benefits

The Citi Prestige Card features it's popular 4th night free benefit along with an annual travel credit and several other premium travel benefits. The Citi Premier is considered one of Citi's premium credit cards since it allows you to transfer points to Citi's partners, but it does not feature any special perks outside of that.

Citi Prestige

  • Complimentary 4th Night Free Perk
    • Must book 4 consecutive nights at any hotel through ThankYou.com.
    • 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
    • Transfer your ThankYou Points to Citi's Transfer Partners.
    • This benefit is only available to Citi Premier and Citi Prestige cardholders.
  • Cell Phone Protection

Citi Premier

  • Citi ThankYou Points Transfer
    • Transfer your ThankYou Points to Citi's Transfer Partners.
    • This benefit is only available to Citi Premier and Citi Prestige cardholders.

Rewards 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 across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

Note! All category spend entered in the first column (primary column) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit cards based on spend, benefits, and fees.
Select A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$

Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
Add Categories
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.
Type at least 3 characters.
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/Mobile
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.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Card 1
Card 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
Card 1
Card 2

Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
Card 1
Card 2

Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
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Updated 2020-07-21 By Robert Flowers III

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