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NerdWallet > Rewards Credit Cards > Citi ThankYou Prestige
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Citi ThankYou Prestige
Citibank ThankYou+Prestige Credit Card

(2.5/5 - 18 Votes)
Net Annual Rewards
$-270
of Citi ThankYou Points
Reward Rate
1.00%
Annual Fee
$500
Signing Promo
None
APR, variable*
APR:
15.24%
Default:
29.99%
Cash Adv:
25.24%
Intro APR Promotions
Purchase:
None
Transfer:
None
Summary
  • Earn 1 point per $1 spent on purchases
  • 1.3 points per $1 spent at gas stations, supermarkets, and drugstores
  • This is a charge card - there is no preset spending limit but card must be paid in full each month
  • No foreign transaction fees, though at a steep price, check out our list of other no foreign transaction fee credit cards
  • Complimentary domestic or international companion ticket each year
  • Airport lounge access for cardholder and 2 guests
  • 15% discount on air travel when booking through travel provider Spirit Incentives
  • Personal concierge service

Compare To Our Most Popular Cards For The Category

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Compare To Blue Cash Preferred℠ Card from American Express

Why do we think you should consider this card?

Earn $150 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership

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Reward Details & Calculator

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Rewards Type: Citi ThankYou Points

Signing Promotion
$0
Estimated Annual Rewards
$21,600 * 1.07%
$230
Annual Fee, 2 yr avg
$500
Annual Rewards (Rewards less Fees)
$-270

Calculate Interest & Finance Charges

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Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.

Finance Charge, Balance Transfer of $10,000*

Balance Transfer Fee, 3.0%
$300
APR, 24 months
$3,644
Total
$3,944

*Average APR for Balance Transfers of 16.7% includes transfer fees and APR promotions.

Effective Annual Rate, Purchases

Promo EAR, 0 months
0.00%
Ongoing EAR, 24 months
16.35%
Total EAR, 24 months
16.35%

APR Rankings

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Balance Transfer Fee
3%
ranks #905 out of 1639 cards.
Average is 1.67%.
Cash Advance APR
25.24%
ranks #888 out of 1002 cards.
Average is 18.74%.

Rewards Rankings

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Annual Fee
$500
ranks #1773 out of 1773 cards.
Average is $9.
Base Reward Rate
1%
ranks #69 out of 963 cards.
Average is 0.99%.
Effective Reward Rate
1.07%
ranks #181 out of 958 cards.
Average is 1.04%.
Sign-up Bonus
N/A
Credit Card Review: Citi ThankYou Prestige


Author:
STEPHEN

The Citibank ThankYou Prestige shouldn’t be judged on its rewards rate alone. The main appeal is its perks: one free companion ticket each year, airport lounge access for the cardholder and two guests, a 15% travel discount and a concierge service. However, all this comes for a $500 annual fee, which puts it out of range for most folks.

Two other major premium credit cards, the AmEx Platinum and British Airways Visa Signature, have lower fees ($450 and $95 respectively) and have about the same level of benefits, though it’s worthwhile to read through and see the perks of each individual card. Most premium cards have no foreign transaction fee – you shouldn’t consider this a distinguishing factor for the Prestige.

Finally, keep in mind that the Prestige is a charge card: there’s no preset spending limit, but you must pay off your balance each month.

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