๐Ÿ’ณ Citi ยท Mastercard

Citi Prestige Card

Travel Benefits Guide 2026

$495
Annual Fee
โœ…
Lounge Access
Secondary
Rental Coverage
None
Foreign Tx Fee
โš ๏ธ DISCONTINUED โ€” no longer accepting new applications as of summer 2021. Existing cardholders may continue using the card.

๐Ÿ“Œ At a Glance: Top Travel Perks

Travel Benefits Breakdown

Here's exactly what you get โ€” and what you don't โ€” when you use the Citi Prestige Card for travel.

โœˆ๏ธ Lounge Access

Network: Priority Pass Select

Guest policy: Up to 2 complimentary guests per visit

Priority Pass Select membership included. Complimentary access for cardholder + guests. Enrollment required.

๐Ÿ›‚ Global Entry / TSA PreCheck Credit

Get a $100 statement credit every every 5 years when you pay for Global Entry, TSA PreCheck with this card.

Global Entry ($100) includes TSA PreCheck and lets you skip customs lines when returning to the US โ€” worth every cent for international travelers.

โฑ๏ธ Trip Delay Insurance

If your trip is delayed by 3+ hours, you're covered for up to $500/person in expenses.

Covers: meals, lodging, essential items

3-hour trigger is notably shorter than most cards. Verify current terms with Citi as benefits may change for legacy cardholders.

Must book travel with this card. Keep all receipts for reimbursement.

๐Ÿšซ Trip Cancellation & Interruption

Reimburses up to $5,000/person (max $10,000/trip) if you must cancel or cut short your trip.

Covered reasons: illness, severe weather, jury duty

Benefit amounts may vary โ€” existing cardholders should verify current terms with Citi.

๐Ÿงณ Baggage Insurance

Lost/stolen/damaged baggage: Up to $3,000/person

Delayed baggage: Up to $500/person after 6+ hours. Covers essential items, toiletries, clothing.

๐Ÿฅ Emergency Medical & Evacuation

Concierge services available 24/7 for assistance. Does not provide emergency medical evacuation coverage.

๐Ÿš— Rental Car Insurance

Secondary coverage โ€” you must file with your personal auto insurance first, then this card covers the remainder.

Covers: collision damage, theft

Excludes: liability

Eligible countries: Worldwide. Some exclusions may apply.

๐ŸŒ Foreign Transaction Fees

โœ… No foreign transaction fees โ€” use this card internationally without paying an extra 2โ€“3% on every purchase.

๐Ÿ’ฐ Annual Credits & Perks

Rewards Structure

1x ThankYou Points per $1
Base rate on all purchases
5x on airlines and travel agencies; 3x on hotels and cruise lines
Travel purchases
5x at restaurants
Dining

Point / Mile Values

  • Cash back / statement credit: ~1ยข per point
  • Travel portal redemption: ~1ยข per point
  • Transfer partners: varies (1:1 ratio to most partners like American Airlines, JetBlue, Singapore Airlines, etc.)

Pros & Cons for Travelers

๐Ÿ‘ Pros

  • โœ… No foreign transaction fees โ€” safe to use internationally
  • โœ… Airport lounge access (Priority Pass Select)
  • โœ… Rental car collision coverage (secondary)
  • โœ… Trip cancellation coverage (up to $5,000/person)
  • โœ… Trip delay coverage after 3+ hours
  • โœ… $100 Global Entry/TSA PreCheck credit

๐Ÿ‘Ž Cons

  • โŒ No emergency medical evacuation coverage
  • โŒ Card discontinued โ€” no longer available to new applicants

๐ŸŽฏ Who Is This Card Best For?

Existing cardholders who frequently stay 4+ nights in hotels โ€” the fourth-night-free benefit is uniquely valuable

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