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The Citi Prestige® Card is a luxury travel card that is most known for its complimentary 4th night free perk when booking hotels through thankyou.com. In addition to that, the card earns 5 ThankYou Points per $1 spent on airfare and dining purchases and 3 points per $1 spent on hotel and cruise line purchases which makes it a great credit card for general travel.
Earn 3 points per $1 spent on hotel and cruise lines.
1X
Earn 1 point per $1 spent on all other purchases.
Key Cardholder Benefits
As a Citi Prestige Card holder, you will get the 4th night free when you book a 4-consecutive night stay at any hotel through thankyou.com. This benefit can be used twice per year.
As a Citi Prestige Card holder, you and all authorized users of the card will receive complimentary Priority Pass Select Membership. A maximum of up to two guests or immediate family members (spouse, domestic partner and/or children under 18 years of age) will be allowed entry.
Every year, you'll receive up to $250 in travel credit that can be used towards travel purchases charged to the Citi Prestige.
When you use the Citi Prestige to pay for a Global Entry or TSA PreCheck application, you'll be reimbursed the application fee — up to $100.
As a Citi Prestige Card holder, you'll have the ability to transfer ThankYou Points to Citi's travel partners at a 1:1 ratio. This includes points earned with other ThankYou Rewards credit cards.
Rewards Value
Citi Prestige Points have an average value of 1 cent per point, but can be worth as much as 2 cents per point when transferred to Citi's airline and hotel partners.
Redemption Option
Average Value (in cents)
Point transfers to airline and hotel partners
0.6 - 2.0
Redeeming points through Citi ThankYou travel portal
1
Cash back redemptions
0.5
Point redemptions on Amazon.com
0.8
Annual Fees
The Citi Prestige has a $495 annual fee.
The 4th night free benefit alone can offset the fee depending on the cost of the hotel. The annual $250 in travel credit also helps to put money back into your pocket.
Citi Points Calculator
Use the Citi Points Calculator to determine how many points you can earn with the Citi Prestige Card based on the monthly or yearly spending amounts you enter.
You can calculate the cash value of the Citi Prestige Card alongside up to two other credit cards from any issuer.
Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.
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Credit Cards
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Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.
Clicking on Add Selected Card will add it to the calculator.
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Family Cards
These cards are part of the same family and generally earn the same type of rewards.
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Travel Cards
Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.
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Cash Back Cards
Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.
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Business Cards
Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.
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Airline Cards
These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.
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Hotel Cards
If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.
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No Annual Fee
If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.
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Intro Bonus:
Annual Fee:
Authorized User Fee:
Bonus Categories:
Loyalty & Memberships
Loyalty: When adding hotel rewards cards (and a select few others) you'll be able to factor in the points earned from elite status. If a card offers complimentary status, the proper status will be selected by default.
Loyalty is reflected by a blue LOY image. Adding a card with loyalty attached to it will add it to the calculator. It becomes its own entity once added to the calculator and can be removed independent of the card that added it.
Membership: If a card offers any kind of bonus rewards based on your membership in a program, the option will be listed here. Do note that some options calculate automatically.
Welcome Bonus: Any welcome bonuses that changes the earning rates of a card will also be listed here. This allows you to toggle the bonus on or off.
Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.
You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
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:
Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
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Rewards & Bonuses
If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.
Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.
If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
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Total Rewards & Cash Value
This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.
You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
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Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
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Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
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Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
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Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
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Monetary Bonuses
This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.
If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
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Fees
With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.
If the card charges a fee for adding authorized users, it will also appear in this section.
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
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Total Card Value
This is the total cash value of each listed card when factoring in all rewards and all fees.
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Learn More
Learn more about the card through our partners.
FAQ
Is the Citi Prestige Card worth it?
The Citi Prestige Card offers several benefits that can easily outweigh the fee. This includes the annual $250 travel credit and the complimentary 4th night free perk that can be used twice per year which can save you hundreds per year on its own.
Citi ThankYou Rewards points calculators
Use our Citi points calculators to calculate how many points you can earn with Citi credit cards based on spend, the value of points based on redemption, and the transfer of points to partners for the Citi ThankYou Rewards program.
Use our Citi credit card calculators to estimate how many points you can earn and the cash value of the card based on the spend amounts you enter, how much you value benefits, and annual fees.
Our calculators allow you to compare up to two additional credit cards side by side based on same or different spend. Plus, all spend amounts you enter in the Primary card's column rolls over to all credit card rewards calculators on the site!
Citi ThankYou Rewards points can be transferred to a handful of airline and hotel partners if you have the Citi Premier Card. This gives you the chance to redeem your points for significantly higher value than the average 1 cent per point.
Want to know how much your Citi ThankYou Rewards points are worth and the different ways you can redeem them? Check out our calculators and guides below!
Our Credit Card Rewards calculator can help you find the perfect card and offers based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let us do the work for you!
