Citi Prestige® Card Review & Point Calculator

Citi Prestige Card

The Citi Prestige® Card is a luxury travel card that is most known for its complimentary 4th night free perk when booking hotels through 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.

The Citi Prestige Card is currently not available to new applicants.

Rewards Rates

Earn 5 points per $1 spent on airfare and dining.
Earn 3 points per $1 spent on hotel and cruise lines.
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 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 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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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.

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