Prestige
Citigold customers have historically received a $145 annual fee rebate; the authorized user fee is about $75.
Closed to new applicants since summer 2021; no product changes into it. Citi said in July 2025 it had no plans to move Prestige holders to Strata Elite; rumors of a 2026 conversion remain unconfirmed as of Oct 2026. If you already have it, its credits still count, and the Premium IC app still tracks them.
Credits 3
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $419 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every year
First $250 of travel purchases (airlines, hotels, car rentals and other travel-coded merchants) each calendar year is credited automatically; no registration.
Citigold clients get a $145 statement credit each year, posting within about 3 billing cycles after the $495 annual fee is charged. Citigold accounts have also received $25 back per paid authorized user.
Condition: Requires a Citigold banking relationship
Every few years
One Global Entry or TSA PreCheck application fee credit per account every five years, up to $120 since Oct 1, 2024 (previously $100).
Perks 3
Benefits you use rather than credits that post to your statement.
Fourth night reimbursed (average nightly rate before taxes) on 4+ consecutive-night hotel stays booked through Citi Travel/ThankYou; limited to 2 uses per calendar year.
Priority Pass Select for the primary cardholder and authorized users with up to 2 free guests; Priority Pass restaurant credits still work.
Booking a Reserve rate on Citi Travel with the card gives daily breakfast for two, an experience credit of about $100 (varies by property), free Wi-Fi, and early check-in, late checkout or a room upgrade when available.
Also included
- No foreign transaction fees
- Cell phone protection (up to $800/claim, $50 deductible, $1,500/yr)
- No travel insurance (removed in 2019)
Before you apply
Citi’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Only one Citi application every 8 days, counting personal and business cards together. Applying again within 8 days gets declined. Citi counts declined applications too, and this app can’t see those.
At most two Citi applications in any 65-day stretch. A third application within 65 days gets declined, and declined applications count.
Roughly one Citi business card application every 90 to 95 days. Another business application inside that window gets declined.
Never miss one of these credits
Add the Prestige to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 11, 2026. Spot something out of date? Tell us.