The Citi Prestige Card, issued by Citibank, is a premium contender in the market.

Citi Prestige Card Payoff Analysis

Citi Prestige Card Payoff Analysis

This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.

Time to Pay Off
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Rewards Earned --
Interest Paid --
Interest Earned ? Interest earned by keeping your cash in a yield-bearing account during the grace period.

Formula: Balance × (APY / 365) × Days. --
TOTAL DEBT SERVICE --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.

Snapshot

Citi Prestige Card
Citi Prestige Card
IssuerCitibank
NetworkMastercard (World Elite)
Card MaterialPlastic
Annual Fee$495.00
Base Rate1.00%
Travel Rewards5.00x
Authorized User Fee$75.00
Foreign Transaction FeeNone
Credit ReportingEx, Eq, Tu
Product LifecycleGrandfathered (16y ago)
Minimum Credit LineN/A

Rewards Breakdown

Base Rate1.00%
Air Travel5.0x
Hotels3.0x
Restaurants5.0x
Anniversary BonusNone
Portal Boost1x
Merchant Category Insights
Restaurants: Includes cafes, bars, and lounges (MCC 5812, 5813)
Air Travel: Booked directly with airlines or travel agencies (MCC 4511)

Pricing Details

Purchase APRN/A
Cash Advance FeeNone
Balance Transfer FeeNone
Late Payment FeeUp to $Unverified
Minimum Interest ChargeNone
Grace Period23 days
Penalty APRNone

Usability & Experience

Digital Walletsapple-pay, google-pay, samsung-pay
Customer ServiceUnverified
Instant UseUnverified

Strategy & Eligibility

Min. Credit Score700+
Recommended RangeExcellent
Chase 5/24 RuleNo
Lifetime RestrictionNone
Active Family RestrictionNo
Closure Grace PeriodNone

Comparisons

See how the Citi Prestige Card compares to other cards.

Terms, pricing, and rewards for this card were last verified as of 2026-03-13. While we strive for accuracy, card issuers may change terms at any time. Always verify details on the issuer's official website before applying.