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The Citi Prestige Card is one of the hottest credit cards on the market, especially since it began offering an increased sign-up bonus this April. It’s great to see Citi really get aggressive with their consumer credit card department, as we’ve also seen increased sign-up bonuses on the Citi ThankYou® Premier Card and Citi AAdvantage Executive World Elite Mastercard.
What makes the Citi Prestige Card so lucrative isn’t just the very nice sign-up bonus — which can be redeemed for $800+ of travel on American or can be transferred to Singapore KrisFlyer, among other things — but also all the perks which come with the card. In my opinion they more than offset the $450 annual fee.
These perks include:
- A $250 annual airline credit (with your first year’s annual fee you actually get two of those — that’s $500 of airline credits with your first year’s $450 annual fee)
- Access to American Admirals Clubs
- A fourth night free hotel benefit
- The most comprehensive Priority Pass membership offered by any card
- A $100 Global Entry fee credit
It’s no surprise that so many people have been applying for the card, though there’s one irregularity I’ve received reports of over and over. Specifically, some people with great credit scores have reported receiving instant denials on the card.
In other words, when they applied for the card they received an immediate message saying they were denied. There’s not even a “pending” message. For example, I just received this message from a reader on Friday:
Odd… I just tried applying for Citi Prestige but was denied immediately. I have had a Citi-based card for 22 years and an 855 credit score. Well over 150K in other credit lines… maybe that is the problem??
And this message as well:
Similar situation. Credit score 825. Applied for Prestige card two weeks ago and was denied. Called for a review and still said no. The card arrived yesterday. Strange. So it might just be some internal error.
The good news is that in many instances this seems to be a glitch. Those same people then report receiving the Citi Prestige Card in the mail several days later.
So if you’re instantly denied for the Citi Prestige Card, it might just be a glitch. That’s not going to be the case across the board, but if you have an excellent credit score and receive an instant denial, it might make sense to just hold tight for a few days and see if the card arrives in the mail, as it probably will. Or it can’t hurt to call and confirm that it was in fact an error.
Have you experienced the glitch whereby you were instantly denied for the Citi Prestige Card, and then it still showed up in the mail a few days later?