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Update: Some offers mentioned below are no longer available. View the current offers here – Citi Prestige
There are plenty of great credit cards to choose from, but some offer unique perks that can ultimately save you tons of money each year. Today, TPG Editor-in-Chief Zach Honig shares his experience with Citi Prestige.
Last month, I wrote about my experience getting a replacement Citi Prestige card when I couldn’t find mine at home. Citi overnighted the card to Hawaii, without me requesting any sort of priority shipping. Now, generally I would have been fine without one credit card, since I travel with quite a few, including my overall favorite, the Chase Sapphire Preferred card, but there’s something that makes Prestige indispensable in certain situations — Citi’s 4th Night Free benefit.
We’ve covered this perk in detail in the past, but to summarize, Citi will reimburse you for the fourth consecutive night of a hotel stay — pretty much any hotel stay — provided that you book through a Citi concierge and pay for the stay using your Citi Prestige card. Now this is a fantastic benefit, and it’s saved me a lot of money on stays over the last few months.
The Citi Prestige card comes along with a hefty $450 annual fee, but so far I’ve taken advantage of the following benefits, which in total have gotten me far more than $450 in value:
- 50,000 ThankYou points after spending $3,000 in the first three months ($800)
- 4th Night Free benefit, on three different stays ($1,150)
- $250 annual air credit ($250)
- One Admirals Club visit — available every time I fly AA ($50)
- 3x points on airfare and hotels
This is especially exciting when you consider that I first signed up for Citi Prestige in May. Yes, in just four months I’ve gotten $2,250 in value from a $450 annual-fee credit card. It’s a great example of how you can get tremendous value from a credit card, especially those with a high annual fee.
For more on Citi Prestige, see:
6 Premium Travel Cards that Are Worth the High Annual Fee
Immediately Denied for the Citi Prestige? You’re Not Alone!
Maximizing Citi Prestige Benefits — TPG Reader Success Story
50,000 Points for the Citi Prestige Card
Citi Prestige® Card
|Intro APR||Regular APR||Annual Fee||Foreign Transaction Fee||Credit Rating|
|N/A||15.49%* (Variable)||$450||0%||Excellent Credit|