Citi Prestige® or Citi Premier®?
Wondering which of these premium credit cards is best for you? Check out our comparison to see how the Citi Prestige® and the Citi Premier® stack up against each other.
by Victória Lourenço
Citi Prestige® vs. Citi Premier®: Which Citi Card is the best?
Are you looking to upgrade your credit card? Do the Citi Premier® and Citi Prestige® options have what it takes to fit your lifestyle and financial needs? After all, choosing the right rewards program or travel benefits can mean thousands of dollars in value for savvy consumers.
We’re here to help you decide if a Premier® or Prestige® card is best for you. In this article, we’ll review both types of cards from Citi side-by-side so that you can make an informed decision about which one will serve you best.
If you’re looking for a way to take your travels to the next level, the Citi Prestige® Card might be a good choice. With all the travel benefits this card offers, from luxury travel experiences and exclusive access packages to one of a kind rewards programs, it’s easy to see why so many individuals are taking advantage of this offer.
But if you’re looking for a rewards credit card with some serious bang for your buck, the Citi Premier® Card offers an extensive list of benefits and features. From travel protections to entertainment access to bonus points that make it well worth the annual fee.
The Citi Prestige® and Citi Premier® cards are two of the most popular options on the market today. They both offer great rewards, flexible spending limits, and other benefits that can help you get more out of your money.
Below, we’re going to break down each card in detail so you can compare them side-by-side to decide which one is right for you! Keep reading our Citi Prestige® vs. Citi Premier® comparison to learn more!
How to apply for a Citi Prestige® Card
The Citi Prestige® Card offers great welcome bonuses, in addition to having a simple signup process. Discover how to apply!
How to apply for the Citi Premier® Card
Do you love to get bonuses for daily purchases and also get travel rewards? Keep reading to learn how to apply for the Citi Premier® Card!
|Citi Prestige® Card||Citi Premier® Card|
|Sign-up bonus*||50,000 ThankYou® Points after meeting the spending requirements within the requested timeframe.|
|After spending $4,000 in the first 3 months, you will get 80,000 ThankYou® Points.|
|Rewards*||Up to $100 toward Global Entry or TSA Pre✓® every calendar year;|
Annual hotel stay includes a free fourth night;
Points can be transferred to a variety of travel loyalty programs;
Earn 3 ThankYou® Points in air travel and dining;
Earn 3 ThankYou® Points on hotel stays and cruises;
Earn 1 ThankYou® Point per $1 spent on all other purchases.
|Earn 3 ThankYou® Points per $1 spent at Restaurants and Supermarkets;|
Earn 3 ThankYou® Points per $1 spent at Gas Stations, Air Travel and Hotels;
Earn 1 ThankYou® Point per $1 spent on all other purchases.
|Other perks*||You can get Priority Pass Select lounge access (available for up to two guests).|
This card does not charge foreign transaction fees
You can get select and special tickets for events, such as concerts.
|This credit card does not charge a fee for foreign transactions.|
You can transfer up to 100,000 points every calendar year to someone else who also has an account with Citi ThankYou.
You can get gifts cards with Citi ThankYou points. Which are available at several retailers and restaurants, and more.
|APR*||From 16.99% to 23.99% variable APR (purchases and balance transfers)||Ongoing Purchases APR: 19.74% – 27.74% (Variable);|
Ongoing Balance Transfer APR: 19.74% – 27.74% (Variable);
Ongoing Cash Advance APR: 28.99% (Variable).
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Citi Prestige® Card
The Citi Prestige® Card offers cardholders the benefits of Citi’s premium ThankYou points and many other perks. In addition, new cardholders can earn up to 50,000 bonus points as a welcome offer.
Moreover, this credit card can be good for those who like to frequently travel and stay at hotels. That is because this card offers, up o two times a year, the 4th night that you book a hotel stay through ThankYou.com.
Also, this credit card can give you select and very special tickers for events and concerts.
However, this Citi credit card is not accepting new card members at the moment. Unfortunately, we do not have much information about if the card will become available again.
Citi Premier® Card
The Citi Premier® Card can offer many great benefits and rewards to those who like to make frequent travels. Moreover, this credit card has a relatively low annual fee. That is when compared to all the benefits you can get if you make the best out of the card.
Moreover, this credit card offers 80,000 ThankYou points after new cardholders spend at least $4,000 in the first 3 months. Besides, you can get great rewards, such as 3 points per dollar spent at supermarkets and restaurants.
In addition, there are rewards related to air travel, hotels, and gas stations. When you spend in those categories, you can earn 3 points per dollar. Also, this card does not charge foreign transaction fees.
However, to get this card, you need to have an excellent credit score. Also, you need to fit the lifestyle required to make the best out of this credit card’s perks and rewards.
Benefits of Citi Prestige
- This Citi credit card does not charge a fee for foreign transactions.
- As a cardholder, you can transfer your ThankYou points to more than a dozen airline partners.
- You can get tickets to go to select concerts and special events.
- This card offers up to 250 dollars in travel credit (available each calendar year).
- As a cardholder, you can get up to $100 credit that you can apply for Global Entry or TSA PreCheck. And this is available every five years.
Benefits of Citi Premier
- This card offers great rewards bonus categories.
- The rewards offered by this credit card do not have an expiration date.
- You can get the benefit of annual hotel savings.
- This credit card offers damage and theft protection to its cardholders.
- Besides getting rewards related to travel, you can get rewards when spending at supermarkets and restaurants.
Disadvantages of Citi Prestige
- The APR charged by this credit card is a relatively high one.
- This card does not offer many travel protection services to its cardholders.
- This Citi credit card does not offer an introductory APR for new cardholders.
- Also, unfortunately, this card is that it is not available anymore for new applications.
Disadvantages of Citi Premier
- This Citi credit card charges a relatively high regular APR.
- As a cardholder, if you do not make your payments on time, this credit card can charge a relatively high penalty APR.
- Also, this credit card does not offer an intro APR to new card members.
Citi Prestige®or Citi Premier®: which you should choose?
Now that you have read more information about these two Citi cards, comes the time to see which one can be the best fit for you. So, if you think that the Citi Prestige® Card has the best options for you, maybe you will need to look for another card option. That is because this card is currently not available indefinitely.
However, the Citi Premier® can offer the best perks that might fit your lifestyle. Also, you can make the best out of the perks to cover the annual fee.
But, if you still want to research another credit card that fits you better, we can help you with that. So, check out our post below with an overview of the Chase Sapphire Preferred card!
Chase Sapphire Preferred® Credit Card Overview
The Chase Sapphire Preferred® Credit Card is great for people who like dining and travel rewards! Read more to know about it in our overview.
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
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