MastercardCiti Prestige Card
The 4th Night Free card, closed to new applicants since 2021.
Welcome Bonus
None
Discontinued
Spend Requirement
None
Annual Fee
$495
No FTF
Credit Score
740+
(Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xAir travel and restaurants
- 3xHotels and cruise lines
- 1xEverything else
Credits ($250/yr stated)
- Travel credit$250
Applied automatically to travel purchases
Benefits
- ✦4th Night Free on hotel stays, originally unlimited and uncapped
- ✦Priority Pass Select lounge access
- ✦Once covered 3 free rounds of golf per year in its earliest US form
Why it earns its spot
- +4th Night Free routinely returned more than the annual fee on a single booking
- +5x on air and dining beat every competitor when it launched
Where it costs you
- −Citi stripped travel protections in 2019 and capped 4th Night Free at twice per year
- −Each devaluation made the 495 dollar fee harder to defend
The Compound Verdict
From 2015 to 2018 the Prestige was arguably the best premium travel card in America: an uncapped 4th Night Free benefit, 5x categories, and a 250 dollar travel credit. Citi bled it dry instead of defending it, capping the hotel benefit and cutting protections in 2019, then quietly closing applications in July 2021. Grandfathered holders still carry it, and the Strata Elite is its spiritual successor.
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