Citi Prestige Card Review – AA Admirals Club Access

Citi Prestige® CardUpdate – This offer is now EXPIRED.

Widespread respect and admiration felt for someone or something on the basis of a perception of their achievements or quality.

The Citi Prestige Card is one of the few cards that adequately defines itself just by name, but does so at a pretty big expense to it's cardholder.

Citi Prestige Card Review

In March of 2014, American Express platinum cardholders lost the ability to check into AA Admiral's Club lounges.  In a strange turn of events, American Airlines dropped that partnership, and instead partnered with Citi.  Immediately thereafter, Citi took advantage of the change and launched the Citi Prestige Card.  In addition to the lounge access only this (and the Citi AAdvantage Executive World Elite MasterCard) card provides, new cardholders will also receive an annual $250 airfare credit to help alleviate the very high $450 annual fee.

For brand new applicants, the Citi Prestige Card offers up a 50,000 ThankYou point bonus after spending $3,000 in the first three months of card ownership.  50,000 ThankYou points translates into $500 in gift cards or $665 in travel. Here's a full look at the top benefits provided by the Citi Prestige Card:

  • $250 statement credit for air travel each year
  • Complimentary access to nearly 40 American Airlines Admirals Club lounges, plus hundreds of VIP lounges through Priority Pass Select
  • Complimentary 4th night for any hotel stay
  • No foreign transaction fees on purchases
  • $100 global entry application fee credit
  • Access to the MasterCard airport concierge service
  • Complimentary greens fees at more than 2,400 public and private gold courses around the globe
  • Lost / delayed baggage protection
  • Transfer points for miles around the world with ThankYou points transfer
  • 15.49% variable APR

Triple points are earned for every dollar spent on air travel and hotels, double points on every dollar spent for dining, restaurants and entertainment and single points per dollar spent on all other purchases.  There is no expiration on points and no limit to the number of points that can be earned (so no spending cap).

For the majority of consumers, a $450 annual fee is a deal-breaker when signing up for a credit card, as it should be.  However, for consumers who fly often, the Citi Prestige Card is somewhat invaluable, and certainly worth the annual fee and then some.  Consider that this card offers a $665 travel bonus at sign-up, as well as a $250 annual bonus that can be used towards airfare which washes away the year one annual fee (with a big bonus left over). For the frequent flyer, this is a perfect opportunity to try out the card and test the value in Airport Lounge access, complimentary 4th night at hotels and all of the other benefits the Citi Prestige Card provides.

  • Citi Prestige Card Application

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About Michael Pruser

After spending a ton of money to go to the private University of Miami, Michael now enjoys spending time at home, writing personal finance articles for the world to read. His journey out of debt continues 500 words at a time.


  1. Jason Hull says:


    How does this compare to the Executive Platinum card? I use that for my business, but would consider switching if the Prestige card was a better deal.