Terms checked 2026-10-26
3x on five everyday categories. The broadest mid-tier earner.
60,000 pts bonus (≈$1,080)AF: $95Rating: 8.6/10
Citi Prestige Card
By Alex Compton · Last verified
The 4th Night Free card, closed to new applicants since 2021.
★ 9.0/10CitipersonalCiti ThankYou Points
DiscontinuedBest for: Remembering when Citi competed at the top
Welcome Bonus
None recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$495
Last recorded · No FTF
Credit Score
740+
(Excellent)
Common Questions
Is the Citi Prestige Card discontinued?
Yes. Discontinued. The 4th Night Free card, closed to new applicants since 2021.
What can I use instead of the Citi Prestige Card?
The closest open alternatives we track are the Citi Strata Premier, Citi Strata Elite, Citi AAdvantage Platinum Select World Elite Mastercard. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Citi Prestige Card is no longer open to new applicants. Compare these cards for a similar use.
Terms checked 2026-10-26
Travel-portal rewards, timed dining bonuses and two different lounge benefits
75,000 pts bonus (≈$1,350)AF: $595Rating: 8.2/10
Terms checked 2026-10-12
The standard-issue American Airlines card, fee waived year one.
80,000 pts bonus (≈$1,120)AF: $99Rating: 8.2/10
Historical Offers Chart
Dated offer history for this discontinued product.
Sign-Up Bonus (points)Spending Requirement ($)
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2021-01 | 50,000 | $4,000 in 3 mo | Bonus decreased: 75,000 → 50,000 · Spend: $7,500 → $4,000Final public offer, applications closed in July 2021 | Archive record · no attached snapshot |
| 2017-01 | 75,000 | $7,500 in 3 mo | Bonus increased: 50,000 → 75,000 · Spend: $3,000 → $7,500Elevated in-branch and Citigold offer | Archive record · no attached snapshot |
| 2015-08 | 50,000 | $3,000 in 3 mo | Bonus increased: 30,000 → 50,000 | Archive record · no attached snapshot |
| 2014-10 | 30,000 | $3,000 in 3 mo | Earliest recordUS relaunch offer at the 450 dollar fee | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Historical record · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 5xAir travel and restaurants
- 3xHotels and cruise lines
- 1xEverything else
Last Recorded Credits
- Travel credit$250
Applied automatically to travel purchases
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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