Comparison

Citi Prestige vs Citi Premier card: Which is the best?

Do you want to know which Citi card is best for you? Citi Prestige Card or Citi Premier? Check out our post to know more about these cards!

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by Victória Lourenço

09/30/2021 | Updated on 04/29/2022

Citi Prestige or Citi Premier: card comparison

See which of these credit cards fits you best! Source: Gettyimages
See which of these credit cards fits you best! Source: Gettyimages

Are you looking for a Citi credit card? If so, we can show you some of the benefits and perks of two great Cit credit cards. Also, we will help you decide which credit card is best: Citi Prestige Card or Citi Premier?

So, the Citi Prestige card can be great for those who like to travel frequently and love hotel stays. In addition, there are many benefits related to travel, and there are also benefits related to everyday purchases.

And the Citi Premier card is also great for those who like to travel frequently. However, this credit card offers a lower annual fee. So, if you want to know if this card can be the one for you, read our post!

Also, if you want to know more about these cards and find out which is the best one for you, keep reading our post!

How do you get 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

How to apply for a Citi Prestige Card credit card

The Citi Prestige card from Citibank offers great welcome bonuses, in addition to having a simple signup process. Discover how to apply!

Citi Prestige cardCiti Premier card
Sign-up bonus*
62,500 Citi ThankYouSM Points (25,000 Miles)
Gadget Welcome Gift

*Terms apply
You’ll receive 80,000 ThankYou points after spending $4,000 in the first three months (current offer)

*Terms apply
Annual fee$495$95
Rewards*Every five years, you can get up to $100 toward Global Entry or TSA Pre✓®.
Annual hotel stay includes a free fourth night.
Points can be transferred to a variety of travel loyalty programs.
On air travel and dining, get 5X points.
On hotels and cruises, get 3X points.
Purchases earn you 1X points and more.

*Terms apply
Restaurant and supermarket purchases get three points each $1 spent.
Hotel perks are available on an annual basis.
Purchases associated with air travel and hotels will earn you 3X points.

*Terms apply
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.


*Terms apply
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.

*Terms apply
APR*From 16.99% to 23.99% variable APR (purchases and balance transfers)15.99% to 23.99% variable APR

*Terms apply

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Citi Prestige card

Find out more about Citi Prestige! Source: Citibank
Find out more about Citi Prestige! Source: Citibank

The Citi Prestige credit 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

Learn more about the Citi Premier credit card! Source: Citibank
Learn more about the Citi Premier credit card! Source: Citibank

The Citi Premier credit 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.

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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.

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Disadvantages of Citi Prestige card

  • 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 card

  • 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 card: 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 credit 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 Premium 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. So, if you want to get the Citi Prestige card, you can get the Citi Premium, which can get you great benefits as well, and it has a lower 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!

Overview on Chase Sapphire Preferred card

The Chase Sapphire Preferred card is great for people who like dining and travel rewards! Read more to know about this special travel card!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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