Key facts
Annual Fee:
$495Accor Live Limitless points are worth 2 Euro cents (about 2.2 US cents) towards stays.
That means that normally, transferring Citi points (or Capital One Miles) would only get you 1.1 cents in value due to the exchange rate. With this, you are getting 1.65 cents per Citi ThankYou point to redeem at their brands which include the likes of Fairmont, Raffles, MGallery, and Sofitel – 52 brands in total.
Cashing out Citi points for 1.65 cents could appeal to some.
Reward multipliers
- 5x Citi ThankYou points on Restaurants, Air Travel, and Travel Agency bookings (including online travel agencies)
- 3x on Hotels and Cruise Lines
- 1x on other eligible purchases
Earns bonus points for spend in the following bonus categories:
Our review
Although it has a hefty $495 annual fee, power users can find good rewards.
Citi Prestige Benefits
- Get the 4th night free on hotel bookings of 4 or more consecutive nights made through the Citi travel center – capped at 2x per calendar. Note that all bookings must be made online and will not qualify for most hotel loyalty program’s elite benefits or points earning. The Citi portal is now powered by Booking.com
- You will also get a $250 travel credit every calendar year (super easy to use and automatically applied against all travel charges) and Priority Pass airport lounge access, with full access to Priority Pass Experiences like airport dining.
- Cell phone protection: The Citi Prestige offers up to $1,000 per claim with up to 2 claims per year. Max is $1,500 in a 12-month period with a $50 deductible per claim.
Because of the high annual fee, if you won’t take advantage of the 4th night free benefit, the Citi Premier card is likely a better card for you if your goal is to earn Citi ThankYou points.
This card is no longer available to new applicants. There is not currently a replacement but one is rumored.