Can You Be Approved For Citi Prestige & Citi Premier Cards?

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Earlier this year Citi really upped their game when it comes to their consumer credit cards. Perhaps the most exciting development were the increased sign-up bonuses and refreshes on two of their most popular cards which accrue ThankYou points.

I’m talking specifically about the Citi Prestige Card and Citi ThankYou® Premier Card.

Reader Jake sent along the following question by email:

I am considering applying for the Citi Prestige Card and/or Citi ThankYou® Premier Card. Can I apply for both of these cards, and if so, which order should I apply in?

To answer, let’s first talk a bit about the basics of the two cards:

Citi ThankYou® Premier Card details

This card was refreshed back in April, and is now a really compelling card for everyday spend. It has a $95 annual fee, which is waived the first year.

In terms of annual fees, this puts the card in line with the Chase Sapphire Preferred® Card and Amex EveryDay® Preferred Credit Card.

The card also has an extremely rewarding points earning structure, arguably the most lucrative of any flexible points currency card. It offers:

  • 3x points on travel
  • 3x points on gas
  • 2x points on dining out and entertainment
  • 1x point on all other purchases

That’s a pretty well rounded earnings structure. The only downside is that ThankYou points aren’t quite as valuable as Membership Rewards or Ultimate Rewards points, in my opinion, though there are some great uses of the points.

Singapore-Suites-1
Redeem ThankYou points for travel in Singapore Airlines Suites Class

Citi Prestige Card details

This card is intended to compete more with the The Platinum Card® from American Express, as it has a $450 annual fee.

That being said, the card comes with a slew of benefits which make it extremely rewarding, both to hold onto long term and for everyday spend.

The Citi Prestige Card offers the following points earnings structure:

  • 3x points on air travel and hotels
  • 2x points on dining at restaurants and entertainment
  • 1x point for all other purchases

And on top of that it offers the following perks:

It’s a card which I think even non-frequent travelers will get quite a bit of value out of, especially when you factor in the airline credits (which can even be applied towards the cost of airfare).

American-737-Economy-Class
Redeem ThankYou points for 1.6 cents each towards the cost of a ticket on American

Can you be approved for both cards?

You sure can be! I have both of these cards, and have been getting a ton of value out of them.

Just keep Citi’s policy in mind when it comes to applying for new cards:

  • You can only apply for one Citi card every eight days
  • You can apply for no more than two Citi cards every 65 days

If you leave a bit over a week between applications, you shouldn’t have trouble being approved for both cards. The order in which you apply for cards doesn’t really matter, so I suppose I’d base it more on which card you’ll get more immediate value out of. In other words, if you’ll get immediate value out of the Citi Prestige Card (Admirals Club or Priority Pass access, or the fourth night free benefit), I might consider applying for it first.

Keep in mind that ThankYou points earned on both cards can be combined, so upon completing minimum spend on both cards you’ll have over 90,000 ThankYou points. At a minimum, those can be redeemed for $1,440+ worth of travel on American/US Airways.

Bottom line

Both the Citi Prestige Card and Citi ThankYou® Premier Card are among the most compelling cards on the market, in terms of their sign-up bonuses, return on everyday spend, and perks. I have both cards in my wallet, and plan on holding onto them. Just make sure you wait at least eight days between applications, and you should be able to pick them both up.

Citi-Prestige-Premier

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Comments

  1. I applied for the thank you premier last night and went to “pending” and asked me to call. I called and was not approved due to too many inquiries. Woke up this morning and thought I’d try again. Called up and chatted with the rep a bit and she said she would approve me after putting me on hold for a while. I should be receiving my card in a few days.

    Never give up after the first call, be nice and you might just get approved. Good luck!

  2. I’m confused. You said both: “You can only apply for one Citi card every eight days” AND “Just make sure you wait at least two days between applications, and you should be able to pick them both up.”

    Is that a typo?

  3. Citi told me someone is not eligible for bonus on both cards within 18 months as they are both thank you points..defeats the purpose of applying for both

  4. Hi Lucky, I am a glad owner of both, finally pulled the trigger on Prestige last week. Looking forward to using 2 travel credits through next year.

    Btw, I’ve been having trouble reaching the Ask Lucky page for a while now. The page just comes up blank on my browser (and I use all the main ones: IE, Chrome, Firefox ). Where can we find your email to email you questions as an alternative?

  5. Actually I can’t understand why do you think that MR points worth more than ThankYou points. At first glance I would say they’re equal but if you analyze both then ThankYou points wins. Why?

    So lets check them in detail:

    ThankYou points:
    – it can be transferred 1:1 into numerous airlines
    – ThankYou points can be redeemed towards AA ticket for 1.6 cents each and for 1.33 for any other airline
    – Citi offers you an annual 15-25% bonus on top of the points you have earned based on your relationship with the bank
    – You can combine your ThankYou Premier card points with your Citi Prestige Card points
    – You can earn a lot more points with Citi cards because of the 3-2-1 scheme
    – Visa is accepted everywhere

    MR points:
    – it can also be transferred to numerous airlines at 1:1
    – MR points can be redeemed towards tickets for 1 cents each (up to 60% less than ThankYou points)
    – no bonus offered except with the EveryDay card but only up to $6k per year
    – You earn lot less in points (even with the Gold Preferred Rewards card because it’s useless outside the US)
    – Amex is rarely accepted outside the US especially in Europe

    ThankYou wins. If you value the MR points higher than ThankYou points then something must be wrong with your math because if you transfer them to an airline then they worth the same plus you’ll have more points to transfer with Citi not to mention if you want to redeem your points towards an expense…

  6. @Marty dee: that’s absurd. You probably misunderstood them? Premiere is a totally different product than Prestige. That policy, if applied equally across the board, would mean you can’t get a Chase Freedom bonus because you’re already earned a bonus on the CSP (them both being UR earning cards). Or like not being able to get various Amex bonuses from different card products because they all earn MR points. Any we know that isn’t the case.

  7. @ Kenny — A few people have had issues with that, but it’s definitely working. Trying clearing your cache/cookies, or using incognito mode?

  8. I just got the citi prestige and am torn between the Citi Hilton Honors signiture visa or the Citi premier. Want both cards, but can only get one more without waiting 64 days. Which would you get first

  9. @Tiffany thanks for the tips, but I just tried them with no luck. The page still comes as blank. Quite frustrating.

    Back when I could access it, it was one of my favorite parts of the site, as it was very helpful.

  10. @Linda There’s only a marginal difference between the Prestige and the ThankYou Premier so if you stay a lot in Hilton properties then you should choose that one because it earns you +10 HHonors points that is much higher than what you could earn by transferring your ThankYou points to your Hilton account.

  11. If you are signing up just for the bonuses, then it’s a no brainer, premier before prestige. While they are both worth the same if transferred to an airline, the Prestige are much more valuable if redeemed for cash against an AA ticket. If you do it Premier, then Prestige, your points grow in value (if using them against AA tickets). If they other way around, the point value from the Prestige bonus shrinks to the Premier level once you don’t renew the Prestige. .4 cents per point x 50k points is $200 towards a ticket.

    If not using it for cash tickets, then whichever benefits you most immediately is probably correct advice.

  12. Long layover in Miami this Saturday. If I was approved for the Prestige tomorrow, anyway to get card expedited so I can access Admiral Clubs at MIA?

  13. @matt this is what citi said…this has noting to do with ur points …I agree with u its like buying a Honda Accord and a Hinds civic but they didn’t seem to agree ..someone can always apply for both and lt us know ..this was obviously a recent change.

  14. @ Devon — In my experience they send the cards pretty quickly, usually within a few days. But probably not a way to guarantee it.

  15. @ Linda — Personally I’d go with the Citi Premier as the sign-up bonus is much more compelling and it’s more compelling for everyday spend as well. But if you’ll get them both eventually, probably can’t go wrong either way.

  16. @ steven k — You should automatically get one in the mail once your card expires, or maybe they’ll even send them out before that.

  17. The other thing to be aware of with the Prestige card is if you are a CitiGold member, you get a $100 discount on the annual fee. So for me, that means the fee is basically the same as any other card without foreign currency fees ($0 in year 1 and $100 in future years assuming you claim the airline credit and have used the Global Travel fee in year 1). But the benefits are much better than other cards so I went Prestige..

  18. Hi Ben,

    If I apply both cards and combine them into a single account after I get 50000 points on each card. Will Citi deduct 50000 points if I close my Premier card?

    Thanks

  19. @31583

    MR has better airline transfer partners that TYP. MR has Air Canada, ANA, British Airways and Delta. That is why they are worth more per point.

  20. Re: the 8 days you have to wait before applying for the second card…

    Is that business days or just any number of days?

    I was approved for the Premier last Wednesday night. Does that mean I can apply for the Prestige this Thursday?

  21. @ John K — It’s eight calendar days, not business days. I’d be on the safe side and wait a full eight days between applications, so would recommend applying on Friday, in your shoes. Let me know if you have any other questions. 🙂

  22. @ Makalo — You can transfer the points from your Premier to your Prestige account and then they’d be valid there.

  23. You can transfer points from one card to the other. But if you cancel the card you transferred from, the transferred points expire fairly quickly. Best to have a plan to transfer them out of TYPs entirely before you cancel a card.

  24. Thanks Lucky for reply last night. Approved for Prestige this morning and was told by CS that if they can see the card tomorrow in system(takes 24-48 hrs from app) that they MAY be able to expedite in one day. Anyone had this done for them where they had the card expedited overnight after applying? Love to use AA Lounge access on trip this weekend but not sure they would let us in by pulling up Prestige info in their system.

  25. Thanks @Lucky! How long does it take to receive the priority pass card? If I apply Friday, think I would have it for a trip the following Saturday?

  26. @Lucky sez:” Can You Be Approved For Citi Prestige & Citi Premier Cards?”

    Sure!

    – Approved for the Citi Premier card in December 2014.
    – Approved for the Citi Prestige card in June 2015.
    – Approved for the 2nd Citi Premier card in July 2015.

  27. @Kalboz

    Were you approved for your second Premier card while the first was still open? The T&C say you can’t get another Premier bonus within 18m of opening/closing a card, but if it has been 18m since its been opened, but you haven’t closed it? Does anyone know the answer to this?

  28. I applied for and was approved for the Premier to today. I used to have the no fee Citi hilton card and I want it back. Do i need to wait 14 days?

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