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Citi Prestige card benefits details

by on Fri June 26, 2015 • 6 Comments
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citiprestige170The Citi Prestige card is loaded with lots of hidden benefits, from protection on purchases to free rounds of golf, and airport lounge access.

It’s a lot to keep track of, and here, to the best of our knowledge, is a rundown of just about every benefit the card offers – both via Citibank and the World Elite MasterCard program.

They could change at any time, so if you have a card, it’s best to call the number on the back of your card to check limits and exclusions for your situation before relying on benefits or coverage.

Travel protection

Car rental insurance. Get up to $100,000 toward repairs or the value of the car if an accident or theft occurs to a rental car you pay in full with the card. There are no country exclusions – rent your car in any country and the coverage is applicable. The coverage is secondary for rentals in the United States, which means you’ll need to file a claim with your own insurance first if you experience damage on a rental within the United States.

Medical evacuation. If you pay for a trip in full with your card (with your card or Citi reward points), you can get up to $100,000 toward medical evacuation expenses if you experience illness or injury a doctor deems serious enough to require evacuation. This is not medical insurance, as the only medical expenses covered are those while you are being transported.  You, your spouse, and children under age 19 or under age 24 for full-time students can be covered if their trip is paid in full with your card.

Trip cancellation and interruption protection. There is up to $5,000 in coverage if you have to cancel nonrefundable trip expenses that you paid in full with your card. All trips need to involve a ‘common carrier’ which includes planes, trains, and cruise ships. Some of the reasons you can get coverage include:

  • You’re sick or injured enough that a doctor confirms in writing is severe enough to cancel a trip
  • A family member is injured or has an illness that requires your care or is life threatening
  • You’re laid off or fired from a job you’ve had for more than 2 years
  • You’re called to jury duty
  • Severe weather or a disaster prevents all travel to your destination for at least 24 hours
  • You miss more than half your trip because of flight delays, traffic accidents, or lost / stolen passports
  • You miss a cruise or tour departure because all travel to your destination is delayed at least 3 hours due to weather or airline issues

Change fees, unused nonrefundable hotel rooms, tour fees, and airfare to meet up with a cruise are among expenses that can be covered.

Trip delay protection. If a trip you pay in full with the card is delayed at least 3 hours, you can get up to $500 to cover expenses like hotel rooms, taxi fares, meals, and necessities to work or toiletries. This includes most airline delays, as well as if your passport is lost or stolen.

Baggage delay protection. You get up to $500 in coverage if your checked baggage doesn’t get to your destination within three hours of your arrival. The coverage will take care of personal and business items you need while your bag is delayed like a change of clothes for a meeting or toiletries.

Lost baggage protection. You get up to $3,000 per person ($2,000 for New York residents) – up to $10,000 for an entire traveling party, if your baggage is lost by the carrier during your journey.

Roadside assistance. You don’t need to pay for anything with your card to get this benefit. If you’re driving within the United State you can get towing up to 10 miles, flat tire change assistance, lock-out service, and up to 2 gallons of fuel. There’s no fee associated with these services.

Travel and emergency assistance. You can get emergency transfers of cash to you from a family member or friend if you encounter trouble while traveling , as well as coordination with doctors or nurses in the United States who can monitor a medical situation you may encounter.

Travel accident insurance. You get up to $1,000,000 in coverage if you, your spouse, or dependents die or are severely injured during a trip.

Purchase protection

Damage and theft purchase protection. For up to 120 days (90 days for New York residents) after you make a purchase, you can get up to $10,000 reimbursed if the item you purchased is stolen, or damaged. Lost items, tickets, cash, vehicles, services, and advice aren’t covered. You can get up to $50,000 reimbursed each year.

Price rewind. If something you purchase is found online within 60 days of purchase at a lowe rprice, you’ll get a refund for the difference up to $300.

Extended warranty. You can double warranties of up to one year, and add up to one year to warranties of up to five years.  You get up to $50,000 in coverage.

90 day return protection. If the merchant won’t take back an item you try to return within 90 days, you can get up to $500 reimbursed, up to $2,500 a year.

Missed event ticket protection. You can get up to $500 covered per event ticket if you can’t make the concert, show, or other ticketed event for a covered reason. Some covered reasons include losing or destroying the ticket, having an accident that keeps you from reaching an event, or having a medical issue that prevents you from attending. Having to take care of someone who lives with you and has a medical issue can also qualify.

Travel benefits

4th free hotel night. Any time you book a hotel stay of 3 or more nights, you’ll get the 4th night free of charge, even if the 4th night is the most expensive. It’s good at just about any hotel worldwide, and the catch is you need to call Citibank’s travel partners to request the booking, but they will honor the lowest rate you see on a hotel’s website, so you don’t have to get stuck with some inflated rate. You can read more about it here.

$250 annual airline credit. Just about any flight related charge is eligible, including airline ticket, baggage fees, and upgrades. The credit applies automatically as you make charges on your card, and you get $250 worth each calendar year (January – December).

American Admirals club access. Whenever you’re flying on an American Airlines flight, you can access all Admirals Clubs and bring up to 2 guests or your children under 18 and spouse.

Priority Pass Select airline lounge access. You can bring yourself and up to 2 guests free into any of over 700 Priority Pass lounges, no matter what airline you’re flying.

$50 additional user. You can add an additional user (who also gets Priority Pass benefits) for $50.

3 free rounds of golf each year. As long as you book at least 3 days in advance, you get 3 free rounds of golf a year via the GolfSwitch tee time portal at citiprestige.golfhub.com. Over 2,000 courses are available, and there are no ‘free time’ restrictions – as long as a tee time is available with cash via GolfSwitch you can book it for free, even at some courses that charge $200 or more for a round.

Hotel upgrades and free breakfast. Get breakfast for two and free upgrades at hundreds of hotels worldwide, when you book via the Mastercard World Elite program. The rates are competitive, but might not always be the lowest rate, and you can use these benefits with the 4th free night offer. You can see a list of hotels here.

National Car Rental Executive status. Get a free year of Executive level status with National Car Rental, which gets you an upgraded car every time you rent. See the details here.

Avis First status. You can get space available upgrades when you rent with Avis. See the details here.

International airfare savings. Many economy, business, and first class fares have discounts via MasterCard World Elite, including airlines like Lufthansa, Latam, Air China, Cathay Pacific, and Singapore Airlines.

Companion business class tickets. If you buy a full fare business class ticket on Aeromexico, your companion travels free via the World Elite Air Program.

Upgrades to business and first class. When you buy select full fare economy or business class tickets on Air China, Lufthansa, Austrian, Swiss, and Brussels Airlines, you can upgrade to the next cabin free of charge via the World Elite Air Program.

Cruise credits. Get onboard credits of hundreds of dollars when you book via the World Elite Cruise Program.

Point earning and spending

Extra point value for travel. Your points are worth 1.33 cents for travel on any airline or stays at any hotel booked via the Citi travel portal. They’re worth 1.6 cents each if you book American Airlines or US Airways flights via the Citi travel portal.

Point transfer options. You can transfer your points to several airline mile programs, including Air France / KLM Flying Blue, Virgin Atlantic Flying Club, Singapore Airlines KrisFlyer, and more.

Fast earning on spending. 3x points on air travel and hotels, 2x points on dining out and entertainment, and 1 point per dollar on other purchases.

Extra points for Citibank relationships. You get a point bonus based on your annual purchases of: 15% – Citigold, 15% – Global Client, 15% – employees, 25% – Citi Private Bank.

 

 

 

Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee, then $95

Annual Fee

$0

Foreign Transaction Fee Waived

Yes

Points Can Transfer to Airline Miles ?

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6 thoughts on Citi Prestige card benefits details

  1. Jane

    If I already have Admirals Club membership and I go ahead and take out a Citi Prestige card do i get a prorated reimbursement for my current membership of the Admirals Club and, if so, how does that work.

    Reply
    1. MileCards.com

      @Jane – AA doesn’t refund Admirals Club membership fees. The only exception is if you get the Executive AAdvantage card, in which case they will prorate a refund. The reason they do it for that card is it offers a full Admirals Club membership as a benefit (you can access clubs even when not flying American). The Citi Prestige doesn’t offer a full Admirals Club membership (it gives you access only when flying American), so they don’t consider it an event to trigger a refund of Admirals Club membership fees you’ve paid.

      Reply
      1. Jane

        thanks for the reply. Does the Executive AAdvantage also offer access to Priority Pass airline lounges?

        Reply
        1. MileCards.com

          @Jane – Unfortunately it does not. But it does let authorized users added to your account access the Admirals Clubs even when you’re not traveling with them. Adding authorized users to the Executive AAdvantage card is free.

          Reply
  2. Rajiv Varma

    Do I understand that Additional Cardmembers are also eligible to access American Airlines Advantage Clubs when travelling on American Airlines even without the Primary cardmember accompanying them?

    Reply
    1. MileCards.com

      @Rajiv – You read correctly, but things have been clarified since the above was written. The $50 additional cardmember gets Priority Pass privileges, but not Admirals Club privileges. We’ve updated it above, thanks for asking.

      Reply

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