Citi
Prestige
Hover to explore — real card art from our catalog
Card review
Prestige
Citi
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$495
Welcome bonus
See issuer
Est. net value
Run calculator
Credit score
Varies
Top earn rate
5x dining
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Prestige from Citi carries a $495 annual fee. Use the calculators below to model rewards, credits, and net value on your own spending.
How the points work
Redeem points at thankyou.com
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| DiningDining | 5× |
| Everything elseAirfare | 5× |
| TravelHotels | 3× |
| Everything elseCruises | 3× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Travel$250/yr
Travel Purchases are defined as purchases made within the travel category, including purchases from airlines, hotels, car rental agencies, travel agencies/travel aggregators/tour operators, commuter transportation, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, cruise lines, bridge and road tolls, parking lots/garages, and bus lines.
- Global Entry$100/yr
Get one $100 statement credit every 5 years for either Global Entry or TSA Pre-Check.
Benefits & perks
- Priority Pass$32/yr
Primary and Authorized users get access to Priority Pass lounges and can bring two guests and/or immediate family members. Guests will be charged $27 per visit.
- 4th Night Free
Get the fourth night free when booking at least four consecutive nights at any hotel through Thankyou.com or by phone at 1–800–ThankYou. Limited to two per calendar year.
Transfer partners
Where this card's points can go, and at what ratio. 13 partners.
- Air France KLM Flying Blue1:1
- Avianca LifeMiles1:1
- Cathay Asia Miles1:1
- Emirates Skywards1:1
- Etihad Guest1:1
- JetBlue TrueBlue1:1
- Qatar Privilege Club1:1
- Singapore KrisFlyer1:1
- Turkish Miles&Smiles1:1
- Virgin Atlantic Flying Club1:1
- Aeromexico Rewards1:1
- Choice Privileges1:1
- Wyndham Rewards1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Annual fee analysis
We couldn't load the OneCard breakeven engine right now. Open the full tool to model credits and perks against $495/yr.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
Loading calculator…
Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $495 per year.