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In my opinion the single hottest credit card of the year is the Citi Prestige® Card. While the card has a $450 annual fee, it’s one which has so many perks that it should be worth it to almost anyone, in my opinion. Just about anyone should get more value out of the card than the first year’s annual fee.
What are the huge perks offered by this card? Among other things, they include the following:
- A $250 annual airline credit
- A fourth night free hotel benefit
- The most comprehensive Priority Pass membership offered by any card
- A $100 Global Entry fee credit
Perhaps most noteworthy is that the $250 annual airline credit isn’t some gimmicky fee credit. Instead it’s actually an airline credit which can be used towards any airline purchase, be it the purchase of airfare, paying for the taxes on an award ticket, an upgrade, etc. Surely virtually all of us spend at least $250 a year on airlines, no?
The way I see it, the “out of pocket” annual fee on this card is really $200 ($450 minus the $250 airline credit). When you think that for that amount you’re getting access to Admirals Clubs, a Priority Pass membership with guesting privileges, a fourth night free benefit on hotels, etc., the card’s value really begins to shine.
But long term, who should get value out of the Citi Prestige® Card?
Anyone who values Priority Pass access
The Citi Prestige® Card offers a Priority Pass membership with guesting privileges. You can take two guests or immediate family with you to Priority Pass lounges for free.
The Alaska Airlines Board Room LAX is a Priority Pass Lounge
Even if you don’t use this card as your primary one for everyday spend, I think these perks in and of themselves make the card worthwhile.
Anyone who stays in hotels for four nights at a time
Aside from the airline credit, which basically helps offset much of the annual fee, I think the single biggest “value add” on the card is the fourth night free hotel benefit. This is as gimmick-free as it gets, and I’ve now used it about a handful of times and have saved over $1,000 through this alone.
I’ve used this to book stays at several Hyatt and Starwood properties. When using this perk it’s as if you’re booking directly with the hotel, so you still earn points, stay credit, qualify for promotions, etc. If you stay in hotels in increments of four nights with any frequency, this perk will pay for the card’s annual fee over and over.
I’ve used the fourth night free night perk several times at the Andaz West Hollywood
The Citi Prestige® Card is in my opinion the single most compelling all around credit card. It has a great return on everyday spend, and offers perks which more than justify the annual fee. Cards don’t get much more well rounded than that.
The card is especially valuable for anyone who values Priority Pass access, and anyone who stays in hotels for at least four nights at a time.