Citi
Citi Prestige
Annual fee
$495
Rewards
Citi ThankYou Points
Benefits
5 · $2,050/yr
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Dining | 5% | 5% |
| Flights | 5% | 5% |
| Hotels | 3% | 3% |
| Cruise | 3% | 3% |
| Everything else | 1% | 1% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Credits (3)
Fourth Night Free
$800/yr
Free fourth night on hotel bookings paid for with points or cash, up to twice per year
$250 Annual Travel Credit
$250/yr
$250 annual credit for travel purchases
Global Entry/TSA PreCheck Credit
$100/yr
Statement credit every 5 years for Global Entry or TSA PreCheck application
Status & Elite Perks (1)
Priority Pass Select
$100/yr
Unlimited Priority Pass airport lounge access with two free guests
Protections (1)
Cell Phone Protection
$800/yr
Coverage up to $800 per claim with $50 deductible, covers theft and damage
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 5 Citi Prestige benefits automatically — redemption progress, reset dates and expiry alerts.