|Card / Notes||Bonus / Annual Fee|
| Citi ThankYou® Prestige Card|
Earning rate: 3X airfare, hotels, and travel agencies; 2X dining and entertainment
-$250 air travel credit (including airfare) per calendar year
-Free lounge access: Citi Properietary Lounges;, and Priority Pass Select with free guests
-3 hour trip delay insurance
-$100 Global Entry application fee credit
-Use points for 1.25 cents value for any flight or transfer to airline partners
-4th night free hotel benefit
NOTE: Reduce annual fee to $350 by signing up in-branch or by opening CitiGold Checking
$450 annual fee
Recent better offer: 75K after $7.5K spend in 3 months
FM Mini Review: This card is best for those who can take advantage of the 4th Night Free benefit and/or the best-in-class 3 hour trip delay insurance
The Prestige card is pricey, but it has a nice collection of perks as well as decent category bonuses for spend. The annual $250 air credit makes the card’s annual fee considerably less of a burden for anyone who regularly pays for airfare. And the card’s 4th Night Free benefit (details here) can result in huge savings for those who often have multi-night paid hotel stays.
This is a great card for those who would use the 4th Night Free benefit multiple times per year. Another great use is the card’s 3 hour trip delay insurance. Others may prefer to get the card for just one year (for the signup bonus plus one year of perks) and then downgrade to the no-fee Preferred card (to keep points alive). For those who won’t make much use of the card’s benefits, consider other great travel cards instead, such as the Chase Sapphire Reserve Card, or Citi ThankYou Premier.
Note: Many more excellent credit card offers, along with application tips for each bank, can be found on our Best Credit Card Offers Page.