citi prestige credit card travel insurance

UponArriving

Citi Prestige Travel Insurance Benefits Review [2019]

There’s nothing worse than feeling like you have everything figured out when it comes to your travel plans only to be blindsided by some situation that you would have never expected to deal with. Not only is it stressful trying to adapt to a situation on-the-fly but many times it can be extremely costly, especially when you are dealing with nonrefundable travel expenses.

Luckily, there are cards like the Citi Prestige that offer substantial travel insurance benefits that can help you get coverage and mitigate your expenses. In this article, I will go over all of the Citi Prestige travel insurance benefits, such as trip cancellation, trip delay protection, baggage delay protection, and many more.

Table of Contents

What is Citi Prestige travel insurance?

The Citi Prestige offers an entire suite of travel insurance benefits, which come in the following forms:

Trip cancellation and interruption

Trip delay protection, baggage delay protection, lost baggage protection, roadside assistance.

• Travel in emergency assistance
• World wide travel accident insurance

Medical evacuation

Below, I will go into detail about each of these protections and tell you the key terms that you need to know about when it comes to things like coverage limits and what sort of expenses are eligible.

Eligibility

Before jumping into each of these benefits, it is good to know that for the most part the coverages going to apply to yourself into your family members. 

Here is how family members are defined for these protections:

Family Members means Your children, spouse, fiancée, Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; sons-in-law or daughters-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews. Domestic Partner means a committed relationship between two unmarried adults, in which the partners, (1) are each other’s sole Domestic Partner, (2) maintain a common residence, (3) share financial obligations if both are employed, (4) are not married or joined in a civil union to anyone else or are not the Domestic Partner of anyone else, and (5) are not blood related.

NOTE: You are still eligible for coverage on many trips for Your Family Member(s) even if you are not traveling.

Documentation

If you have never dealt with filing a claim for any type of travel insurance related benefits/expense, you need to know that you will be required to have documentation for just about everything.

Thus, it is very important to maintain and record every single thing that you can related to your claim.

If your bags are delayed, you should take and store every single little item/form that you are given to sign or review because chances are that is going to come in handy. If you are ever given a reference number, case number, or anything like that be sure to jot that down. Also, try to note the names of any reps that you every speak with and get their numbers and extensions if you can.  

And make sure that you maintain all of your receipts and try to keep a record of all of the dates and times that everything happened. Taking time-stamped photos with your phone of everything is a great way to do this. 

Having all of these records will make your life much easier when it comes time to file your claim. Trust me.

Also, pay attention to the filing deadlines. Typically, you will have about 60 days to file your claim so be sure to do that. Sometimes if you wait longer than that they will still allow you to file your claim, but I would not count on an exception. 

This is a benefit that comes in handy whenever you have to cancel a trip or cut a trip short/extend a trip due to some unforeseen circumstances that qualify as a “Covered Reason.” These usually involve things like illnesses, personal situations, and travel and/or weather issues. 

Here are some examples of some covered situations:

• You become sick and are advised by a doctor not to travel
• You are advised not to travel by a doctor due to the outbreak of some type of disease
• A family member has an injury or illness that is very serious
• You lose your job
• You’re summoned to jury duty
• Severe weather or natural disaster halts all travel to or from your destination for 24 hours
• You miss more than half of your trip due to two missed connections or delays

The key with this protection is that if you are not feeling well, you need to get a doctors note that you are not able to travel. Simply not feeling well but still being able to travel it will not allow the coverage to kick in. 

How much is covered?

With this protection, you can get reimbursed for up to $5,000 per trip.  Getting $5,000 worth of protection isn’t bad but note that you can get up to $10,000 worth of protection with the Sapphire Reserve. 

In order to get coverage you will need to use your Citi Prestige card and pay for at least a portion of the trip with that card. Note that if you only pay a portion of your trip, you will only be reimbursed up to that amount.

You will be covered for a lot of different type of expenses which could include:

• The value of unused transportation tickets
• Change fees
• Costs to get the traveler home as long as the arrangements are with in the same class of service as the original booking
• Costs to get the traveler to rejoin the trip that has been interrupted as long as the arrangements are within the same class of service as the original booking
• Reasonable expenses for similar accommodations and meals that are incurred because of an interruption or reasonable extension of the trip

You will need to file a claim within 60 days of cancellation or interruption.

Trip delayed protection kicks in whenever a common carrier is delayed. 

Common Carrier means a vehicle that’s licensed to transport any public passenger who pays a fare or buys a ticket, and is available on a regular schedule. Examples include planes, trains, ferries and cruise ships, but does not include taxis, car service, rental car and rideshare service.

If a common carrier is delayed for at least six hours you can get reimbursed for up to $500 per traveler, per trip. 

This benefit should cover the following expenses:

• Ground transportation excluding car rentals
• Personal or business necessities such as toiletries

This is a great benefit because many airlines are not required to provide you with any type of compensation if their flights are delayed and the reason for the delay is not their fault. So for example if bad weather causes a flight to be delayed eight or 10 hours the airline is  often not required to provide you with anything ( see infographic ). So with insurance like this you are covered in those scenarios.

Also even if the delay is the airline’s fault and they offer to provide you with some type of benefits, you may only get a stay covered at a nearby contract hotel so getting $500 worth of coverage per traveler can be a much better and more comfortable scenario.

You will need to file a claim with in 60 days of the delay.

If your checked baggage with a common carrier is delayed six hours or more you can be covered for up to $500 per per trip. This protection used to kick in after only three hours of delay, which was industry-leading. So it is a little bit of a bummer to see it back at six hours but six hours is still very good for this type of protection.

What is covered?

This benefit covers personal and business items that the traveler may need when their baggage is delayed. This includes things like toiletries and a change of clothes. 

The terms exclude any item that is not contained in the checked baggage. This means that you want to be careful when shopping for new clothes because if you go out and purchase something that you did not already happen your checked baggage that is technically not covered.

Something else that is interesting about this benefit is that it gives you $500 per trip and is not based on a set amount per day. Other cards might limit you to something like $100 per per day so this is actually one of the more liberal policies. 

You will need to file a claim within 60 days of the baggage being delayed.

If your baggage is lost, stolen or damaged by the common carrier while on a trip you might be refunded for the purchase price of the missing items or the cost to repair or replace the damaged items whichever is less.

You are covered for up to $3,000 per traveler, per trip. Or you might be covered up to $10,000 in total for all travelers.

There are certain items that are not included in this coverage and these include the following:

• Antique items
• Collector items
• Rare precious metals
• Stamps and coins

Note that coverage does not apply whenever the item is seized by customs or by a government agency.

You will need to file your claim within 60 days of the bags being lost, stolen, or damaged.

Roadside assistance is available 24/7 whenever you have trouble and are on the road in any of the 50 United States or in certain territories.

You can get the following types of services:

• Towing and winching (You will be responsible for expenses associated with the towing beyond 10 miles)
• Jump starts
• Flat tire changes
• Lockout service
• Delivery of up to 2 gallons of fuel

This is very similar to the roadside protections offered by other cards such as American Express cards . 

In order to use this benefit you will need to make sure that you are with the vehicle and that you are in a regularly travelled area. Basically, if you are off road somewhere that is not easily accessible you probably won’t get coverage.

The phone number for this is: 1-866-506-5222.

Travel and emergency assistance

If you need assistance before or during a trip you can find services and referrals worldwide in case of emergencies or help with travel requirements with complications. This is the exact type of benefit that you want whenever you are in a country and you don’t speak their language but you need immediate assistance to resolve something.

Here are the type of services provided:

• Around-the-clock access to emergency travel arrangements
• Emergency transfer of cash from a family member friend or business account
• Information on travel requirements such as visas
• Help locating the loss travel items such as lost luggage
• Monitoring of threats
• Referrals to local doctors dentists or other services (You can also have these dispatch to your location)
• Assistance with prescriptions
• Coordination with doctors or nurses in the US you can consult with the local medical professionals to help monitor you

Just note that the cost of utilizing these professionals is not covered and will be your responsibility. This benefit basically just helps you get in connection with those who can help you. 

I wish I had utilized a benefit like this a few years ago when I got very sick in Iceland. We struggled to find any medications that we could understand and I probably could have used a service like this to find something to take and to find a doctor to see. So trust me having a service like this can be a life-saver. 

Worldwide travel accident insurance

Hopefully you or anyone that you love will never need this but this is the type of coverage that applies if you or a loved one dies in a tragic accident or gets seriously injured. You can get coverage for up to $1 million per person depending on the type of injury you had . 

You need to file a claim with in 60 days of the accident.

If you experience a serious medical emergency and need help getting home or to the right medical facility you can get coverage up to $100,000. 

This benefit will ply in the following situations:

• A traveler becomes seriously sick, injured or even dies while traveling wanted trip
• A doctor certifies that the traveler has an illness or injury that is severe enough to require emergency medical evacuation
• In the process of the medical evacuation, the traveler is transported to the most direct and cost-effective route
• The trip is less than 60 consecutive days long

And here are the type of expenses that you can get covered:

• Transportation from the place where the traveler became sick or injured to the nearest medical facility where they can receive treatment
• Transportation to the travelers home or to an appropriate medical facility near their home. This is if they need further treatment after being treated at a local medical facility.
• Related medical services and supplies needed while transporting the traveler
• In the case of death transportation to return the travelers remains to their home

The Citi Prestige has some quality travel insurance benefits offered for any premium card. The biggest limitations to note is that these apply to yourself and to family members so if you have non-family members traveling with you don’t get coverage for them. However, if you’re traveling with family then you can take advantage of some solid protections. Just remember to maintain all of the documents needed to support your claims.

Daniel Gillaspia is the Founder of UponArriving.com and the credit card app, WalletFlo . He is a former attorney turned travel expert covering destinations along with TSA, airline, and hotel policies. Since 2014, his content has been featured in publications such as National Geographic, Smithsonian Magazine, and CNBC. Read my bio .

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Privacy Overview

Advertiser Disclosure

Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval, also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.

Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

• • Credit card strategy
• • Credit card comparisons

Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.

• • Rewards credit cards
• • Travel credit cards

Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate,  focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score.

Antonio Ruiz-Camacho is the former senior director of content for CreditCards.com and Bankrate Credit Cards . He has more than 20 years of international experience leading content teams, focused on consumer advice, technology and immigration.

The Bankrate promise

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money and how we rate our cards . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts , who ensure everything we publish is objective, accurate and trustworthy.

Our banking reporters and editors focus on the points consumers care about most — the best banks, latest rates, different types of accounts, money-saving tips and more — so you can feel confident as you’re managing your money.

Editorial integrity

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Key Principles

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Editorial Independence

Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

How we make money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate follows a strict editorial policy , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

Citi Prestige® Credit Card

*The information about the Citi Prestige® Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Intro offer

Earn 50,000 bonus points after spending $4,000 in purchases within the first 3 months of account opening

Offer valuation

Offer valuation is not available for this credit card.

Rewards rate

Earn 5 points per $1 on Air travel Earn 5 points per $1 on Restaurants Earn 3 points per $1 on Hotels Earn 3 points per $1 on Cruise Lines Earn 1 point per $1 on all other purchases

Regular APR

On This Page

• Pros and cons
• Current offer details
• Value of rewards
• Key cardholder perks
• Understanding the fees
• Expert experience
• Citi Prestige® Card vs. other premium travel cards
• Is this card worth getting?

Citi is an advertising partner.

Citi Prestige® Card Overview

The Citi Prestige® Card is a premium travel credit card offering select luxury travel perks for frequent flyers. While its $495 annual fee is not for the fainthearted, regular travelers can make their money back easily by taking advantage of Citi Prestige benefits like a complimentary fourth-night hotel stay and an annual $250 travel credit. The card has a generous rewards rate too, so you can accelerate your ThankYou points balance and get more for your spending.

What are the pros and cons?

5X points on air travel and restaurant purchases; 3x points on hotels and cruise line purchases; 1X point on all other purchases

Get the fourth night free when booking four consecutive nights or more at any hotel through Citi ThankYou.

$250 annual travel credit, which also includes supermarket and restaurant purchases through December 2021

up $100 application fee credit for Global Entry to TSA PreCheck every five years

Priority Pass Select VIP airport lounge access

Pairs well with other no annual fee Citi rewards cards

$495 annual fee

ThankYou points are only worth up to 1 cent each unless transferred to travel partner

Fewer travel benefits and protections compared to other similarly-priced travel cards

No intro purchase or balance transfer APR

A deeper look into the current card offer

Quick highlights.

• Rewards rate : 5X points on air travel and restaurant purchases; 3x points on hotels and cruise line purchases; 1X point on all other purchases
• Welcome offer : 50,000 bonus ThankYou points after spending $4,000 within three months of account opening
• Annual fee : $495
• Purchase intro APR : None
• Balance transfer intro APR : None
• Regular APR : 16.99 percent–23.99 percent variable

Current welcome offer

The Citi Prestige comes with a respectable 50,000 ThankYou points if you spend at least $4,000 in the first three months. This sign-up bonus is redeemable for $500 in travel if you book through the ThankYou Travel center—effectively offsetting your entire annual fee in the first year.

While this is a solid bonus, Chase Sapphire Reserve® has a great welcome offer for qualifying cardholders. But 60,000 Chase points (after you spend $4,000 on purchases in the first three months from account opening) is worth $900 in travel—if redeemed for travel through Chase Travel℠.

The Citi Prestige earns Citi ThankYou points , which provide a solid 1:1 value toward travel through Citi. Luckily, there is a good variety of redemption options, but it’s hard to squeeze extra value out of your points without utilizing Citi travel transfer partners. Waiting till the right moment is no problem, though, since your points won’t expire as long as your account stays open. However, points that are shared with another account expire in 90 days and purchased points must be used within a year.

Earning rewards

Unless you bank with Citi , the only way to earn substantial rewards is through spending with your credit card. Your biggest bonus category earns 5X points on air travel and at restaurants (including cafes, bars, lounges and fast-food restaurants—which isn’t always the case), but you’ll also rake in 3X points at hotels and on cruise lines. Naturally, you’ll also earn 1X points on all other purchases.

If you plan to maximize your rewards for travel, this 5X rewards rate makes the Citi Prestige one of the best cards for restaurants and airlines .

Redeeming rewards

Rewards redemption is where Citi Prestige comes into its own. You can use points to cover recent travel purchases (such as flights, hotels and car rentals) or eligible online bills, redeem them for a gift card, pay for purchases at participating retailers, receive them as cash back, donate them to charity or even share them with another person who has a ThankYou account. You may also be able to use points for payments up to $1,000 toward qualifying Citi credit lines, like a mortgage or student loan.

What’s particularly special about the Citi Prestige is that points earned on this card (and the Citi Premier® Card ) can be transferred to a partner airline loyalty program at a transfer ratio of 1:1. Points transfer at this ratio is not available with other no annual fee Citi credit cards .

How much are points worth?

Unlike other reward programs like Chase Ultimate Rewards, you can’t redeem your ThankYou points for a higher value toward travel. The best value you can get from your points through Citi is 1 cent apiece toward booking travel, redeeming for gift cards or contributing to your Citi home mortgage or student loan balance.

Other redemption options typically bring less than a 1:1 value, but your best opportunity to wring more value from your points is to transfer them to a partner Citi travel loyalty program. According to our latest points and mile valuations , ThankYou points can be worth up around 1.9 cents with the right transfer partner.

Outside the pack-in World Elite Mastercard benefits , the Citi Prestige carries the best additional features of any Citi card. If you travel regularly, these perks will elevate your travel experience and more than justify the hefty annual fee.

Complimentary hotel night

The Citi Prestige’s complimentary fourth-night hotel stay offer is by far the most popular benefit. Simply book a hotel of your choice through Citi’s online portal for four consecutive nights and you’ll only have to pay for three (excluding taxes and fees). What’s more, you can claim this benefit up to two times per calendar year.

Up to $250 annual travel credit

Every year, you’ll automatically receive up to $250 in statement credits toward eligible purchases that fall within the “travel purchases” category. Citi automatically identifies each of these purchases on your card and posts a credit one to two billing cycles later. Qualifying personal travel expenses include purchases from:

• Travel agencies, travel aggregators and tour operators
• Commuter transportation, including commuter railways, subways and bus lines
• Taxis, car services and limousines
• Bridge and road tolls
• Paid parking lots and garages
• Cruise lines

No worries if you’re hesitant to travel at the moment, your travel credit will also cover supermarket and restaurant purchases through December 2021.

Other travel perks

• Priority Pass Select airport lounge access. You and up to two guests can access hundreds of Priority Pass Select VIP lounges worldwide.
• Global Entry or TSA PreCheck credit. Get up to $100 back in fee credit for Global Entry or TSA PreCheck applications every five years.
• Concierge service. Cardholders are entitled to Citi’s Concierge service , which gives you access to a personal assistant who can help with travel planning, shopping, restaurant reservations and more.

Annual Citigold banking relationship bonus credits

This valuable perk is a bit under-the-radar but can make a difference in offsetting your annual fee each year. By being a Citi Prestige cardmember with a qualifying Citigold wealth management account, you can earn a $145 statement credit within three billing cycles of your assessed $495 annual fee being charged to your card. If you happen to have one or more authorized users, you’ll also receive a $25 statement credit for each $75 authorized user fee on your account.

Rates and Fees

The Citi Prestige has an annual fee of $495 and a further $75 for an additional authorized user, but there are no foreign transaction fees. Late payment triggers a fee of up to $40, and a penalty APR of 29.99 percent variable may apply.

In line with other travel rewards credit cards, there are no introductory APR periods with the Citi Prestige. However, if you need to transfer your balance with Citi , the balance transfer fee is either $5 or 3 percent of the transfer amount (whichever is greater). Both your purchases and balance transfers will be subject to the ongoing 16.99 percent to 23.99 percent variable APR, which is on par with other elite travel cards .

We tried it: Here’s what our experts say

Even through the benefits Citi Prestige Card have significantly decreased since she opened her account, Katie Genter , a travel rewards specialist at The Points Guy , is still keeping her card:

My Citi Prestige is perhaps my most frequently used card due to its five points per dollar earning rate at restaurants worldwide. Plus, it often has good Citi Merchant Offers. I’ll also occasionally find an independant hotel I want to book through the Citi Travel portal and use one of my two annual fourth night free benefits. I’m not getting nearly the value I used to get from my card, but I’m not ready to close it yet – especially since it’s no longer available. — Katie Genter, Senior Writer, The Points Guy

How the Citi Prestige Credit compares to other premium travel credit cards

The Citi Prestige’s main rivals are the Chase Sapphire Reserve and The Platinum Card® from American Express . Both of these cards are loaded with more travel benefits, especially travel and purchase protections but have a higher annual fees. Chase Sapphire Reserve offers a seemingly lower 3X rate on travel and dining (after earning your $300 travel credit), but you’ll get a stronger $300 annual travel credit and 50 percent more value when redeeming points for travel through Chase Travel℠.

The Platinum Card, on the other hand, offers 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, plus a rich portfolio of extra benefits. The Platinum Card stands alongside the Sapphire Reserve as one of the best credit cards for travel insurance and delivers perks like complimentary Marriott Bonvoy and Hilton Honors elite gold status, annual credits for merchants like Uber (terms apply) and Saks Fifth Avenue and top-tier airport lounge access worldwide.

Citi’s Prestige Card may have a lower annual fee and wider category coverage, but it could be hard to stack up to these rivals’ perks and higher potential point value (Bankrate’s latest point valuation rates both Chase Ultimate Rewards points and Amex Membership Rewards points at around 2 cents apiece). However, the Citi Prestige may be the best choice hands down if you already bank with Citi or are considering other Citi rewards cards. The regular ThankYou points from eligible Citi banking activity and the partial annual fee credits from Citigold can pad out your rewards balance. Citi’s no annual fee rewards cards also compliment the Prestige card incredibly well, perhaps making the most cost-effective issuer card combinations to maximize rewards .

Recommended Credit Score

Chase Sapphire Reserve®

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.

The Platinum Card® from American Express

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Best cards to pair with Citi Prestige

To fast track your ThankYou points, you could pair this card with the no annual fee Citi Double Cash® Card . While you’ll earn up to 2 percent unlimited cash back on purchases — 1 percent when you buy and 1 percent when you pay — you can convert cash back rewards into ThankYou points at a 1:1 ratio and pool them with your Citi Prestige. The Double Cash is already one of the best flat-rate cash back cards on the market, but it can seriously buff up your rewards income by doubling the points on purchases that fall outside your Prestige card’s bonus categories.

Citi’s rewards card is also amazing for earning extra ThankYou points on everyday purchases outside these categories. The Citi Custom Cash® Card has a novel approach to cash back: earn 5 percent cash back on your top spending category per billing cycle (up to $500, then 1 percent back). This bonus rate can apply to one of 10 categories that the Citi Prestige doesn’t cover, including common travel expenses like gas stations, select transit, live entertainment, grocery stores and more. The best part is that you actually earn ThankYou Points that can then be converted to cash back if you’d like. You can squeeze even more value from your purchases by pooling these points with your Citi Prestige and transferring them to a travel partner, or — if you’re not traveling soon — funnel your Prestige card’s points through the Custom Cash for a higher cash back redemption rate.

Bankrate’s Take — Is Citi Prestige worth it?

If your life or work involves regular travel, then you can no doubt get a lot of value from the Citi Prestige Card. Once you take benefits into account, like the $250 yearly travel credit and the biannual complimentary fourth night free for eligible hotel stays, the Citi Prestige’s annual fee is pretty easy to recoup—especially if you already have a Citigold bank account or plan on getting another Citi card.

While the Citi Prestige has fewer benefits compared to other issuers’ flagship travel cards, its issuer-centric focus elevates the Prestige card’s comparative ongoing value if you’re a loyal Citi customer.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

The information about the Citi Prestige® Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

Capital One SavorOne Cash Rewards Credit Card Review

Chase Freedom Unlimited® Review

Citi Custom Cash® Card Review

Discover it® Cash Back Review

Bank of America® Customized Cash Rewards credit card Review

Upgrade Cash Rewards Elite Visa® Review

Prime Visa Review

Discover it® Chrome Review

Bank of America® Unlimited Cash Rewards credit card Review

Capital One Quicksilver Cash Rewards Credit Card Review

Find your odds with no impact to your credit score

Apply for a credit card with confidence.

Apply for a credit card with confidence. When you find your odds, you get:

A personalized list of cards ranked by likelihood of approval

Special card offers from top issuers in our network

No credit hits. Enjoy a safe and seamless experience that won’t affect your credit score

Tell us your name to get started

This lets us verify your credit profile

Your personal information and data are protected with 256-bit encryption.

Your personal information is secure

We use your info to run a soft credit pull which won’t impact your credit score

Here’s how we protect your safety and privacy. That means:

We only use your info to run a soft credit pull, which won’t impact your credit score

We’ll never send mail to your home

All of your personal information is protected with 256-bit encryption

What’s your mailing address?

This helps us verify your credit profile.

Why we're asking

Your financial information, like annual income and employment status, helps us better understand your credit profile and provide more accurate approval odds.

Your financial information, like annual income and employment status, helps us better understand your credit profile.

Having a clearer picture of your credit profile will help us ensure that your approval odds are as accurate as possible.

What’s your employment status?

What's your estimated annual income?

Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considerd as a basis for repaying a loan. Increase non-taxbile income or benefits included by 25%.

Knowing your rent or mortgage payments helps us calculate your debt-to-income ratio (DTI) which is your monthly debt payments divided by your pre-tax monthly income.

Why does DTI matter? Your DTI gives us a clearer picture of your credit profile, which allows us to evaluate which cards you’re likely to get approved for more accurately.

Monthly rent or mortgage payment

Put $0 if you currently don’t have a rent or mortgage payment.

Almost done!

We need the last four digits of your social security number to run a soft credit pull.

We need the last four digits of your Social Security number to run a soft credit pull. This helps us locate your profile and identify cards that you may qualify for. Your information is protected by 256-bit encryption.

A soft credit pull will not affect your credit score.

Enter the last 4 digits of your Social Security number

Last step! Once you enter your email and agree to terms:

Your approval odds will be calculated

A personalized list of cards ranked by order of approval will appear

Your odds will display on each card tile

Enter your email address

Enter your email address to activate your approval odds and get updates about future card offers.

By clicking “Agree and See Results” you acknowledge receipt of our Privacy Notice , Privacy Policy and agree to our Terms of Use . By agreeing, you are giving your written instruction to Bankrate and our lending partners (together, “Us”) to obtain a soft pull of your credit report to determine whether you may be eligible ...show more for certain targeted offers, including pre-qualified and pre-approved offers (your "CardMatch offers"), as well as display what we estimate your approval odds to be for participating offers (“Approval Odds”). You instruct Us to do this each time you return to our sites to view product offerings and up to once per month so you can be provided up-to-date results.

You understand that this is not an application for credit and CardMatch offers and Approval Odds do not guarantee you will be approved for a partner offer. To apply for a product you will need to submit an application directly with that provider. Seeing your results won't hurt your credit score. Applying for a product may impact your score. See partner for complete product terms. Show less

We’re sending you to the issuer’s site to complete your application.

Just a second... We’re matching you with personalized offers

Hold tight, we’re loading your personalized results page, sorry, we couldn't access your approval odds..

This often happens when the information that's provided is incorrect. Please try entering your full information again to view your approval odds.

Check your approval odds before you apply

Answer a few questions and see if you’re likely to be approved in less than a minute—with no impact to your credit score.

Check your approval odds on similar cards before you apply

Before you apply...

See which cards you’re likely to be approved for

In less than 60 seconds, answer some questions and we’ll estimate your odds of approval on eligible cards. You get:

A personalized list of cards ranked by likelihood of approval.

Access to special card offers from top issuers in our network.

No credit hits. Enjoy a safe and seamless experience that won’t affect your credit score.

But don’t worry! You can check out other cards that are a better fit.

Who is covered by your credit card travel insurance?

Update: Some offers mentioned below are no longer available. View the current offers here .

Reader Questions are answered twice a week by TPG Senior Points & Miles Contributor Ethan Steinberg .

No matter how carefully you plan your vacation, things like bad weather or mechanical delays can throw your trip off track without any warning. That's why it's important to consider getting travel insurance to protect your trip, and thankfully many of the top travel rewards cards on the market include various travel protections automatically when you use your card to pay for your trip. TPG reader Natalie wants to know who is covered by her travel insurance policy ...

[pullquote source="TPG READER NATALIE"]Everything I've read about my Chase Sapphire credit card travel protections mentions cardholder and immediate family — does that include my parents?[/pullquote]

Natalie is smart to be planning ahead and trying to understand her card benefits before she travels. I'll admit that on more than one occasion I've made costly mistakes because I didn't understand who and what was covered by my credit card insurance policy. Now it's important to note that the specific terms will vary from policy to policy and between card issuers.

In this post I'll take a look at the travel protections that come with some popular rewards cards, but if you have a card that isn't on this list or if you bought your insurance through a third-party provider you should check with them directly to avoid any confusion.

Chase offers trip delay, cancellation and interruption insurance on a number of its credit cards, including the Chase Sapphire Preferred Card and Chase Sapphire Reserve. The exact terms of the policy, including when they kick and how much coverage they carry, vary by card, but the list of eligible parties does not. Depending on which travel protection you're using, here's who your Chase cards cover:

• Trip delay reimbursement: Cardholder, cardholder's spouse or domestic partner, dependent children under age 22.
• Trip cancellation/interruption insurance: Cardholder, immediate family members (even if the cardholder is not traveling).

Chase defines immediate family as "your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews."

In answer to Natalie's question, if she paid for even part of her eligible trip with her Chase Sapphire Preferred, her parents would be covered as immediate family members for trip cancellation/interruption insurance, but not for trip delay reimbursement.

Amex recently announced that it would be adding trip delay and cancellation coverage to certain premium cards, effective Jan. 1, 2020:

• The Platinum Card® from American Express
• The Business Platinum Card® from American Express
• American Express Corporate Platinum Card
• The Hilton Honors American Express Aspire Card
• Delta Reserve® Credit Card from American Express
• Delta Reserve for Business Credit Card
• Marriott Bonvoy Brilliant™ American Express® Card

The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Because this new feature isn't live yet there isn't any information on the Amex website about it. I spoke to an agent on the phone who said that she also couldn't find any information on her end, and we'll have to wait until closer to the end of the year to see who exactly Amex will extend coverage to.

Citi took a lot of heat this year when it announced that it was dropping nearly all travel benefits from its cards , including the flagship Citi Prestige® Card. While that card still continues to earn 5x points on airfare purchases, travelers should strongly consider paying with a card that offers them better coverage instead.

Bottom line

Chase is generous extending its trip cancellation and interruption insurance to the cardholder's immediate family, so Natalie's parents would be covered assuming their delay was for an eligible reason. Meanwhile they wouldn't receive any trip delay coverage, as that is limited to the cardholder, their spouse or domestic partner and dependent children under age 22. In terms of other issuers, we'll have to wait and see how Amex chooses to define its trip delay and cancellation coverage when it adds those benefits to some of its cards on Jan. 1, 2020.

Thanks for the question, Natalie, and if you're a TPG reader who'd like us to answer a question of your own, tweet us at @thepointsguy , message us on Facebook or email us at [email protected] .

The Citi Prestige has made its $250 annual travel credit more flexible for another year

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Citi Prestige® Card, Citi Premier® Card. The details for these products have not been reviewed or provided by the issuer.

• The Citi Prestige® Card is a premium travel credit card that is no longer available to new applicants.
• The card comes with up to $250 in annual travel credit.
• Through 2022, Citi has again expanded this credit to include supermarkets and restaurants.
• Read Insider's guide to the best travel rewards credit cards .

The Citi Prestige® Card (not available to new applicants) was once the most enticing, benefits-packed premium credit card on the market. It had strong travel perks, unmatched travel insurance , and unique features like free golf and American Airlines Admirals Club lounge access.

The card has since eliminated the majority of these benefits. But one feature that remains unchanged — and has in fact improved — is its annual $250 travel credit . 

Read more: Citi Prestige Card review

In the wake of coronavirus, Citi has attempted to keep its Citi Prestige cardholders from canceling by tweaking its benefits. It's a travel credit card, after all, and its price tag of $495 for the primary cardmember is difficult to justify if you're not traveling.

For the third consecutive year, Citi is expanding the yearly travel credit worth up to $250 to include supermarket and restaurant spending. Here's what you need to know.

Citi Prestige $250 travel credit expanded to cover more than just travel

Normally, the Citi Prestige travel credit would automatically reimburse you for expenses such as airfare, hotels, rental cars, cruises, etc. But it will also trigger for restaurant (including takeout) and supermarket purchases between January 1 and December 31, 2022.

If you spend $250 per year on dining or groceries, this credit effectively lowers your annual fee to $245 per year.

Read more: The best credit cards for buying groceries in 2022

Here are the excluded purchases listed by Citi.

Supermarket purchases that won't count are those made with:

• General merchandise/discount superstores
• Freezer/meat locker provisioners
• Dairy product stores
• Miscellaneous food/convenience stores
• Warehouse/wholesale clubs
• Specialty vendors
• Candy/nut/confectionery stores
• Meal kit delivery services

Online supermarkets that don't code as "supermarket" on your statement will also not count.

Restaurant purchases that do not qualify are:

• Restaurants located inside other establishments (such as department stores, warehouse clubs, etc.)

That looks like an intimidating list, but in practice, your credit should work where you think it will. I've still got the Citi Prestige and my credit has always activated on the purchases with which I intended to use it.

Read more: The best Citi credit cards in 2022

Remember, this credit is awarded per calendar year , not anniversary year — so your credit has been replenished as of January 1. Here's to a week or two of free groceries and restaurants!

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

Watch: Why the Chase Cards CEO is not worried about the hundreds of millions lost last quarter due to credit card rewards

• Main content

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Benefits I Wish Came With My Citi Prestige Card

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

The Citi Prestige® Card may not be as frequently covered as other premium rewards credit cards, but it definitely has its merits. This card is loaded with generous welcome and category bonuses, a $250 annual travel statement credit and Priority Pass Select membership, to name a few great perks.

The card offers creative travel benefits and an awesome rewards program, but there are a few perks that would really round it out. Here are five benefits I wish came with my Citi Prestige® Card :

» Learn more: Citi Prestige: Premium perks at a plump price

Travel and purchase protection

Citi removed most travel and purchase protections in September, which makes charging purchases to the Citi Prestige® Card difficult to justify sometimes. This is especially true since other credit cards like the Chase Sapphire Reserve® still offer trip cancellation and interruption insurance (in addition to bonus points on travel). It’s unlikely Citi will undo this decision in the very near future, but here's hoping it will restore some of these benefits.

» Learn more: Chase Sapphire Reserve review: A first-class premium travel card

Lower annual fee

At $495 , the annual fee on the Citi Prestige® Card is quite high. For a card that competes with the likes of the Chase Sapphire Reserve® , the annual fee feels a little too high — especially since the card lacks valuable travel and purchase protections. Citi seems unlikely to drop the annual fee after it already increased it, but hopefully in the future there will be more protections in place to make this fee easier to justify for some cardholders.

Added perks for hotel bookings

The Citi Prestige® Card ’s fourth-night-free benefit on hotel bookings is an awesome perk. Basically, it amounts to 25% off the base rate on four-night room rates, which (even though you can only use it twice a year) is pretty substantial. You do have to book through CitiThankYou.com to get this benefit, which isn’t bad — but we wish Citi would throw in some perks like AmEx Travel does through its Fine Hotels & Resorts and Hotel Collection programs.

Perks offered through these programs include complimentary breakfast, hotel credits, room upgrades and more. Since Citi already has a booking site, it would be nice if they negotiated similar benefits with hotels to sweeten the deal.

Auto collision damage waiver

Auto collision damage waiver is offered by few cards, and it can be very useful when you’re renting a car. Many rewards credit cards offer rental car coverage that is secondary, meaning it only kicks in if your own insurance company denies coverage. The Chase Sapphire Reserve® is one of the few cards that offers primary rental car coverage. As a competitor, it would be nice if the Citi Prestige® Card offered it, too — especially considering it did away with so many of the other travel protections.

The bottom line

The Citi Prestige® Card is a solid card overall, but there is always room for improvement. If Citi hopes to remain competitive with Chase and American Express, it’s going to have to improve its premium card benefits. Here’s hoping to positive changes coming in 2020.

In the meantime, the card does offer a pretty big welcome bonus if you’re looking to stock up on Citi ThankYou points: Earn 50,000 bonus points after spending $4,000 in purchases within the first 3 months of account opening*

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Planning a trip? Check out these articles for more inspiration and advice: Find the best travel credit card for you Citi ThankYou points: How to earn and use them Best Citi ThankYou point redemptions

On a similar note...

Citi Prestige Travel Credit Card 2024 Review

Update: This card is no longer available to new customers.

If you spend a lot of time traveling, a travel rewards credit card can be your best friend .

Depending on the card, you could earn miles or points towards free travel, plus cash in on things like priority boarding or free checked bags.

The Citi Prestige Card is one to consider if you’re looking for a card that’s packed with premium travel features .

In addition to earning rewards on travel, dining, and everyday purchases, you can take advantage of things like an annual air travel credit, concierge service, and complimentary nights at the hotel of your choice.

This card has no foreign transaction fee, but it does come with a $495 annual fee .

Our review of the Citi Prestige Card is a must-read if you need a little help deciding whether you should cough up the cash for this card.

Citi Prestige Travel Card Pros & Cons

• Good for people who want a card packed with premium travel features
• Annual $250 airline travel credit every year
• Get a free 4th night in a participating hotel
• Complimentary airport lounge access
• Points can be redeemed for travel, shopping, concert tickets, and more
• $450 annual fee
• If you don't travel frequently, card may not be worth annual fee
• Need excellent credit to get approved

Exceptional Travel Perks Come with a Price Tag

The Citi Prestige Card is a premium travel rewards card. We’ll get to how you can earn points in a moment.

First, we wanted to highlight all of the various travel benefits that make this card a true standout.

Annual Travel Credit

Right off the bat, you get a $250 travel credit per year . This credit will cover the cost of travel-related purchases, including airfare, baggage fees, seating class upgrades, in-flight purchases, hotels, car rentals, parking, ground transportation and more.

You use the card to pay for it as you normally would and the credit will be applied automatically to eligible travel purchases.

You will still earn rewards on this travel spending.

Tip: If you have trouble taking full advantage of this credit, you can buy gift cards through the airline . Save it and use it for later as you wish.

Complimentary 4th Night Stay

If hotel stays are a regular part of your travel routine, the Citi Prestige Card can make hotel bill less expensive.

When you book a stay of four nights or more through the Citi Prestige Concierge, your fourth night is instantly free.

The complimentary night is available at your choice of hotels so you can go low-key with a budget room or live it up in a luxury suite.

How it works is you'll receive a statement credit for the 4th night .

There is an annual limit on this perk. You can redeem this perk only twice per calendar year.

Global Entry Application Fee Credit

Global Entry membership can save you time at the airport if you’re traveling back to the U.S. from an international destination.

To apply, you’ll need to pay a $100 application fee but you can recoup that with your Citi Prestige Card.

If you use your card to pay the fee, Citi will issue you a $100 statement credit against the cost.

At airports, members just have to show their passports, scan their fingerprints, and turn in their customs declaration.

Complimentary Airport Lounge Access

When you’re stuck in the airport waiting to catch a flight, being able to relax in the lounge can make passing the time easier.

Priority Pass Select membership is included with your card , which means you can visit more than 900 VIP lounges around the world.

Lounge access is free for you and up to two guests. For each additional guest, there’s a $27 fee that’s charged on every lounge visit.

Citi Concierge Service

The Citi Prestige Concierge service can make your life a little easier if you need help making travel arrangements or you just need to find a great restaurant for dinner .

Concierge specialists are standing by 24/7 to answer your questions and guide you to where you want to go.

Discounts on Travel

When you’d rather cruise than fly or you’re looking to book an all-inclusive vacation, you don’t have to pay full price.

The Citi Prestige Card offers exclusive discounts on luxury tours, vacation packages, ocean cruises, and river cruises.

Earn Rewards On Every Purchase

As if the travel extras weren’t enough, the Citi Prestige Card comes with a generous rewards program.

You’ll earn:

• 5 ThankYou points per dollar on air travel and restaurants
• 3 ThankYou points per dollar on hotels and cruise lines
• 2 ThankYou points per dollar on entertainment (to be removed 8/31/19)
• 1 ThankYou point per dollar on all other purchases

Your points aren’t capped and they don’t expire as long as your account is open and in good standing.

To top if off, this card has a sizable points bonus that’s available to new card members who meet the minimum spending requirement.

Redeeming ThankYou points

When you’re ready to use all those ThankYou points you’ve earned, you’ve got plenty of choices, including:

• Gift cards to partner brands
• Electronics, jewelry, apparel, and other merchandise
• Statement credits
• Online bill pay
• Charitable donations

The number of points you’ll need and the value of those points will depend on what you’re redeeming them for. For instance, a $25 Barnes and Noble gift card requires 2,500 points. In that case, one point is worth $0.01.

A 50-inch TCL Roku TV retailing for $399.99, on the other hand, would take 49,990 points.

If you do the math, your points would then be worth one-eighth of a cent. It’s important to understand how the value compares so you can be sure you’re getting your money’s worth.

Shop or Pay with Points

If you’d rather buy merchandise directly from the merchant, you can shop or pay with points at selected Citi partners. Shop With Points is available at Amazon.com, Expedia, and Live Nation.

You can use Pay With Points at BestBuy.com or through the Wonder app. Again, the redemption value may vary.

Use Points for Travel

Frequent travelers will appreciate the ability to use their points towards flights, hotel stays, and other travel expenses. You’ve got several great ways to redeem points for travel .

First, you can use them to book your trip through the Citi ThankYou Travel Center. There are no blackout dates or restrictions and you can book flights, vacation packages, car rentals, or hotel rooms.

Best of all, when you book through the travel center, your points are worth 33% more. That means 40,000 points would be worth $532 in credit towards a flight.

If you prefer a particular airline or hotel brand, you also have the option of transferring your points directly to their loyalty program.

Citi partners with the Asia Miles, Flying Blue, Qantas, and Virgin Atlantic, just to name a few.

Your ThankYou points typically transfer on a 1:1 basis, with some exceptions.

There’s no fee to transfer points but there’s one big difference compared to booking with points through the Travel Center.

You may be subject to blackout dates or other restrictions set by the loyalty program you’re transferring your points to. That’s something you’d want to factor in when making your travel plans.

Is the Annual Fee Worth It?

As far as annual fees go, the Citi Prestige Card is on the pricey side. But it's important to consider how the fee measures up against the value of what you’re getting .

Between the free 4th nights, $100 credit for Global Entry, the $250 annual Air Travel Credit, free Priority Pass membership, and the money you can save when you redeem points for travel, you could easily earn back the fee and then some.

If you were to charge just $5,000 a year on travel purchases and get the $250 travel credit, that alone could make up for the fee.

If you’re still on the fence, take a look at your travel habits. If you only take trips once or twice a year, paying nearly $500 for benefits you may not use doesn’t make sense.

On the other hand, if you’re traveling several times a year, that may be money well spent to travel in comfort.

Shop and Travel Safely With Citi’s Security Protections

Your Citi Prestige Card protects you in more ways than one, whether you’re jetting around the globe or just hitting the mall.

The card’s security measures include an EMV chip, Citi Identity Theft Solutions, and the Early Fraud Warning System, which monitors your account for suspicious activity.

When you’re shopping online or in-store, you’re also covered by:

• Damage and theft purchase protection
• Extended warranty protection
• $0 liability guarantee

These perks can add to your peace of mind every time you use your card.

Should You Choose a Different Citi Card?

The Citi Prestige Card might be looking pretty appealing by now but we’re not through yet. Here are other Citi cards you may want to consider instead.

Citi Rewards+

The is a rewards credit card that offers many ways to earn and maximize rewards points.

Cardmembers earn 2x points at supermarkets and gas stations for the first $6,000 per year and 1x points thereafter.

Most interestingly, every purchase earns points rounded up to the nearest 10 points.

Read Citi Rewards+ Card Editor's Review

Citi Double Cash Card

The is aimed at spenders who’d rather earn cash back in lieu of travel rewards.

This card makes it easy to rack up the cash by paying 1% cash back when you make purchases and 1% back when you make a payment . No muss, no fuss, and no annual fee.

Read Citi Double Cash Card Editor's Review

Citi Premier Card

With the Citi Premier Card, you can earn 3 points per dollar on travel including gas, along with double points on dining out and entertainment. All other purchases will earn you one point per dollar.

This card does have an annual fee of $95 , which applies after the first year.

Final Verdict: Should You Get This Card?

The Citi Prestige Card is a real head-turner if you travel often and you like to do so in style.

The $495 annual fee makes it a less attractive choice for someone who’s more frugal about their travel budget or just doesn’t travel that often.

All in all, it’s best for someone who travels often enough to use all the perks available through the card.

You might also like

Advertiser Disclosure:

We believe by providing tools and education we can help people optimize their finances to regain control of their future. While our articles may include or feature select companies, vendors, and products, our approach to compiling such is equitable and unbiased. The content that we create is free and independently-sourced, devoid of any paid-for promotion.

This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

MyBankTracker generates revenue through our relationships with our partners and affiliates. We may mention or include reviews of their products, at times, but it does not affect our recommendations, which are completely based on the research and work of our editorial team. We are not contractually obligated in any way to offer positive or recommendatory reviews of their services. View our list of partners.

MyBankTracker has partnered with CardRatings for our coverage of credit card products. MyBankTracker and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

• United States
• United Kingdom

Citi credit card complimentary travel insurance

A citi credit card with complimentary travel insurance offers you cover for overseas and interstate trips – here’s what you need to know..

In this guide

Which Citi cards have complimentary travel insurance?

What do i need to do to use citi credit card complimentary travel insurance.

• What’s covered by Citi complimentary international travel insurance?
• What’s not covered?

Pre-existing medical conditions

How to make a claim through your citi credit card complimentary international travel insurance policy, other types of citi complimentary credit card travel insurance, citi credit card complimentary insurance for shopping, what you need to know:.

• Citi Rewards, Prestige, Premier and World Mastercard credit cards offers comprehensive international travel insurance for trips of up to 6 months.
• You'll get cover when you meet the requirements before travelling (e.g. by paying for your trip with the card).
• Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions .
• Do you have a question or need to make a claim right now? Call Allianz (the insurance provider) on 1800 072 791 or +61 7 3305 7499.

You can get complimentary travel insurance with a Citi Rewards, Prestige, Premier or World Mastercard, including cards that earn Qantas Points. These are the personal cards you can currently apply for that offer insurance:

Some Citi cards that aren’t currently available for new applications also offer complimentary insurance, so if you have a card that’s not listed here you can check the Citi website to see if it’s eligible for cover.

If you're planning a trip and want cover through your Citi credit card, you'll need to meet the following requirements:

• Australian resident. You need to be permanently living in Australia at the time you book your trip and also need to depart from Australia.
• Pay for the overseas travel ticket with your eligible Citi credit card.
• Book through the Citi Travel Program.
• Use frequent flyer points to book your overseas travel ticket, as long as you’ve transferred a minimum of 15,000 points from your Citi card to the frequent flyer account in the past 12 months.
• Length of travel. This cover is available if your trip is for 6 consecutive months or less.
• Account status. You need to have an active, eligible Citi credit card in your name at the time of your booking.

The cover is automatically available to you and eligible family members (your spouse and dependants) when you meet these requirements.

But unlike some travel insurnace policies, the Citi policy document does not include details of a maximum age for cover. So if you need further details or want confirmation of cover, call Allianz on 1800 072 791.

What’s covered by Citi complimentary international travel insurance?

Here, we’ve broken down the key options for different types of benefits for eligible Citi credit cards currently on the market. But remember: you should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover

Cancellation, delays and transport, luggage and personal items cover, death, funerals and personal liability, what’s not covered.

Some of the key situations that aren't covered by Citi's complimentary credit card insurance include:

• If the purpose of your trip includes getting medical treatment
• Dangerous activities, including rock climbing, white water rafting, bungy jumping, skydiving, water skiing, off-piste snow skiing and professional sports
• Government interference with your travel plans
• Acts of war

⚠️ Remember: Check the Citi card insurance policy booklet or call Allianz on 1800 072 791 for more details about exclusions.

If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions.

Does Citi credit card international travel insurance cover COVID-19?

Yes. In June 2023, Citi updated its complimentary international travel insurance with details of when you can make claims related to COVID-19 and other known pandemics and epidemics. This includes:

• Overseas emergency assistance
• Overseas emergency medical
• Cancellation
• Additional expenses

To make a claim, you need to be positively diagnosed with COVID-19 (or another pandemic/epidemic disease) and meet all the other requirements for a claim. This also extends to an eligible spouse or dependants travelling with you – but won’t apply if you’re travelling against government advice. As there are lots of conditions to meet for this type of cover, make sure you read the policy booklet or call Allianz on 1800 072 791 before you travel.

Does Citi credit card travel insurance cover family members?

Yes, your spouse and dependants (i.e. your children) can also get cover when you meet the eligibility requirements for international travel insurance. For them, the key requirements to get cover are:

• They need to meet the same travel length and travel booking requirements as you.
• They need to travel with you for at least 50% of the trip that you’ve got cover for.

They also need to meet the other conditions of the insurance policy. Keep in mind that some claims have different limits for a spouse or dependants compared to what you (as the primary cardholder) get.

With Citi’s complimentary international travel insurance, a limited number of pre-existing medical conditions are covered when you meet the requirements, including:

⚠️ Keep in mind: Every travel insurance policy has its own definition and details about pre-existing conditions. You'll find full details in the Citi credit card complimentary travel insurance policy document.

What if I don't meet the requirements or have a different pre-existing condition?

Call Allianz on 1800 072 791 to check if you can use this insurance. You may be able to get written confirmation from Allianz that a pre-existing medical condition is covered, although be aware that additional fees may apply.

Otherwise, you won't get cover for any pre-existing conditions that cause issues. This includes conditions that you've had professional treatment for and untreated conditions you're aware of before you travel.

Got a pre-existing health condition? Compare other travel insurance policies that offer cover for conditions including anxiety, high blood pressure and knee replacement.

• Go to the Allianz online claim portal at https://claimmanager.com.au/aga/agreement
• Confirm you agree with the terms and conditions, then click "Create new claim"
• Select the "Credit card insurance" option and provide details of your card
• Fill in the details on the claim form and upload your supporting documentation

You will hear back about your claim within 10 business days, according to the online claims website.

What to include in your claim

With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:

• A referral or letter from a doctor or other professional you see in relation to a claim
• Photo evidence
• Police reports

Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the Citi card insurance policy booklet and anything that could become supporting documentation for claims.

Transit accident insurance

• What is it? Cover for accidents that happen when you're boarding, leaving or travelling overseas on a plane, train, cruise ship, bus or other eligible vehicle.
• When can I use it? If you have paid for the entire trip with your eligible Citi credit card before you leave.
• Is there an excess cost? No.

Interstate flight inconvenience insurance

• What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. For example, cancelled return flights, flight delays of 4 hours or more and delayed or lost luggage.
• When can I use it? If you have paid for your return interstate flights with an eligible Citi credit card and are travelling for no more than 14 days in a row.
• Is there an excess cost? There is a $200 excess for cancellation and luggage claims.

Rental vehicle excess in Australia insurance

• What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $2,250. This cover is included as part of the interstate flight inconvenience insurance benefits in the Suncorp credit card complimentary insurance policy document.
• When can I use it? If you meet the requirements for interstate flight inconvenience insurance and the vehicle hire agreement includes an excess cost.

How to make a claim under one of these policies

Call Allianz on 1800 072 791 or submit your claim through the Allianz online claim portal at https://claims.agaassistance.com.au/ .

Citi credit cards also give you access to other types of insurance for items you buy. Here's a basic explainer of each one, with full details in the Citi credit card insurance policy booklet:

• Purchase cover insurance: Offers cover for up to 90 days when you buy an item with your eligible card and it's then stolen, accidentally damaged or lost. It covers personal items such as laptops, shoes, jewellery and glasses, as well as eligible gifts if the person they are given to is a permanent Australian resident.
• Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.
• Guaranteed pricing scheme: If you buy something and then see it being sold for less somewhere else, you could claim the difference in price with this cover.

Mobile phone insurance

Citi is one of the few credit card brands in Australia that offer complimentary mobile phone insurance.

Unlike the other insurance covers available on eligible Citi cards, this cover is issued by AIG. Here are the key details:

• What is it? If your mobile phone is stolen or accidentally damaged and stops working properly, this insurance can help cover the cost of replacement or repairs.
• When can I use it? If you pay for your monthly mobile plan with an eligible Citi credit card, you can use this cover. For theft claims, you’ll need to include a police report and for damage claims, a quote for repairs as well as pictures of the damage.
• How can I make a claim? Go to https://au.mycardbenefits.com to submit your claim online. You can also call AIG on +613 9522 4111 or email [email protected] and request a claim form.
• Is there an excess cost? An excess of $50 applies for each claim. There is also a maximum payout of $1,000 per claim and $1,650 per year through this cover. As with other insurance, remember to read the policy document for full details.

Don’t have complimentary insurance on your credit card yet? Compare Citi credit cards or check out other cards that offer insurance .

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.

More guides on Finder

The Citi Premier includes a big bonus points offer, discounted annual fee options, lounge passes and more. Get the details here.

The Citi Premier includes a big cashback offer, discounted annual fee options, lounge passes and more. Get the details here.

With 0% interest for 12 months on purchases and balance transfers, is this Citi Rewards Card offer right for you?

This Citi Clear Credit Card offer includes 0% on balance transfers for 24 months and complimentary insurances. Compare and apply here.

With huge 100,000 bonus points offer, plenty of choices for rewards and complimentary insurance, is the Citi Rewards Card right for you?

Receive 100,000 bonus Flybuys points, 0% purchase offer and platinum-tier perks with this Citi Rewards Card offer.

This premium card offers 100,000 bonus Qantas Points, uncapped earn rates and unlimited complimentary airport lounge access through Priority Pass, with a $749 annual fee.

This no-frills card from Citi has no late fees, no annual fee ever and offers 0% interest balance transfers and purchases for the first 6 months.

The Citi Premier Qantas offers up to 70,000 bonus Qantas Points, airport lounge access, international travel insurance and a $350 annual fee that could be discounted in future years. Get the lowdown here.

Ask a Question

Click here to cancel reply.

You are about to post a question on finder.com.au:

• Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
• finder.com.au is a financial comparison and information service, not a bank or product provider
• We cannot provide you with personal advice or recommendations
• Your answer might already be waiting – check previous questions below to see if yours has already been asked

102 Responses

I am going for holiday with Princess and they ask for hard copies of my insurance policy. I pay a trip with my citi premier credit card .How do I can get it?

Hi Krzysztof, You can request details of your eligibility and confirmation of cover by calling the insurance provider, Allianz on 1800 072 791. I hope this helps.

Hi, My husband and are traveling to Bali on 5th August, I have paid for flights and accommodation on my Citi Premier card, we are residents of Australia. Do I have to let anyone know about our travel plans prior to leaving to activate our travel insurance. Our ages are 65 and 66. I understand we aren’t covered for Covid. Just needing to confirm before we go.

Hi Maureen,

No, you’re not required to tell anyone about your travel plans before leaving. It sounds like you’ve met all the requirements, as long as your return ticket has a date within 6 months of when you left (this policy only covers travel for up to 6 months in a row).

The insurance policy was also updated in June 2023 and now includes some cover if you or an eligible travel companion is positively diagnosed with Covid. If you want to check any other details or have further questions, you can contact the insurance provider Allianz Global Insurance on 1800 072 791 or Citi on 13 24 84. I hope this helps, and happy travels!

do i need to do anything to activate international travel insurance or is it automatically applied when using card to pay for my plane ticket?

Thanks for your message. It’ll be included automatically (assuming you meet the minimum spend required to active it). Be sure to read the PDS to make sure you have enough cover for your needs.

Where can I get the travel insurance booklet.I’ve already tried on-line.

Hi Margaret, You can download a copy of the complimentary insurance terms and conditions from the Citi website or by calling Citi on 13 24 84.

Keep in mind that the current version I just checked includes a summary of changes that are effective from 15 June 2023. The changes are outlined on the first 12 pages of the policy document ( pdf, effective 1 June 2022 with updates effective 15 June 2023 ). So, if you have questions about the changes or any of the cover in the document, you can contact Allianz Global Assistance (the insurance provider) on 1800 072 791. I hope that helps.

Does this complimentary travel insurance include travelling by ship?

Hi Denise, Cover is available if you are travelling internationally on a cruise ship and meet the other requirements for cover. If you have further questions about the insurance or want to check details for a specific trip, you can call Allianz Global Assistance on 1800 072 791. I hope that helps.

How likely would you be to recommend finder to a friend or colleague?

Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.

Important information about this website

Advertiser disclosure.

finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles

We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.

Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.

How we make money

We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.

Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.

Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money .

Sorting and Ranking Products

When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.

Terms of Service and Privacy Policy

Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.

• The Benefits
• The Experience

Citi Prestige Card Benefits: Travel, Security & Privileged Access

Enjoy the highest level of service, upgrade your travels, access unforgettable experiences and be rewarded every step of the way.

Desirable rewards

Global service.

• Inspiring travel

Privileged access

• Four Hands Dining
• Haute Dining Privileges

Be rewarded with more when you use your Citi Prestige Card from now until 31 December 2020. Earn up to 170,000 Citi ThankYou SM Points (68,000 miles) ^ and redeem from a host of rewards including shopping vouchers, gadgets, cash rebates and more.

Spend S$20,000 in 3 months and pay a one-time programme fee of S$360 to get 170,000 ThankYou Points (68,000 miles) :

Spend S$10,000 in 3 months and pay a one-time programme fee of S$160 to get 82,500 ThankYou Points (33,000 miles) :

^ Click here for full Terms & Conditions.

Your Relationship Bonus

Citi Prestige is a unique credit card that rewards your banking relationship. Be rewarded with additional Citi ThankYou SM Points for your relationship with Citibank Singapore Limited, based on spending and depth of relationship.

YOUR RELATIONSHIP BONUS RATE

Unlimited Citi ThankYou Points

Earn 3.25 Points for every dollar you spend locally, and 5 Points for every dollar you spend overseas. There's no limit to how many Points you can accrue and they never expire, so you can save for a reward you really want.

Citigold rewards

Relationship rewards for Citigold Private Client and Citigold customers are even more rewarding. Get bonus Points on your annual spend based on how long you've been banking with Citibank.

Welcome Gift / Renewal Gift

Receive a welcome gift of 62,500 Points (equivalent to 25,000 miles) when you come onboard as a Citi Prestige Cardmember and make a full payment of the annual membership fee. Find out more .

Renew and make full payment of the annual membership fee and receive a renewal gift of 62,500 Points (equivalent to 25,000 miles).

Flexible redemption

Redeem your Points for anything you may have purchased, as a cash rebate or even as miles on your favourite frequent flyer program. You can also instantly redeem your Points at select merchants in Singapore and overseas.

Back to top

Citi Prestige Concierge

From travel and entertainment to everyday tasks such as organising a delivery, our global Citi Prestige Concierge team is here to support your lifestyle at home or abroad.

Citi Prestige Hotline

One call connects you to a Citi Prestige Citiphone Officer. Available 24/7 and from anywhere in the world, they're ready to answer any request or question. Call 6337-2484 for assistance.

Citi Prestige global events

As a Citi Prestige Cardmember you'll have access to experiences all over the world, including VIP access to concerts, and cultural and sporting events.

Assistance worldwide

Travel the world with confidence knowing that as a Citi Prestige Cardmember, you'll receive the highest level of service everywhere you go. Whether you're lost in a foreign city, need to exchange money or access emergency cash, simply step into any Citibank branch for help.

Additional cards

Apply for a supplementary card at no additional fee.

Personal Identification Number

Your customisable 6-digit Personal Identification Number (PIN) gives you access to over 1.2 million ATMs around the world, so you can withdraw cash whenever you need it.

Payment options

Choose the payment option that best suits you. Pay your Prestige Card bill online, or arrange to have payments automatically deducted from your bank account each month.

$100 liability on unauthorised charges

Online or offline, if someone uses your card without consent, you'll only be liable for a maximum of $100.

Billing dispute resolution

If you ever encounter a problem with purchases made using your Citi Prestige Card, we'll liaise with the vendor to resolve the issue as quickly and efficiently as possible.

Travel Benefits

• Land Travel

Global acceptance

Chip-based technology means you can use your Citi Prestige Card with confidence wherever you are in the world. An embedded microchip turns your account information into a unique code that is difficult to duplicate, giving you enhanced fraud protection.

Airport limousine transfers

Choose to travel in comfort to or from Changi International Airport, with complimentary one-way airport limousine transfers.

Unlimited airport lounge access

Citi Prestige gives unlimited complimentary access to over hundreds of VIP airport lounges in cities around the world through Priority Pass™. No membership fees, no lounge pass fees - just present your Priority Pass membership card at the desk. Priority Pass™ membership and complimentary unlimited lounge access is for primary cardmember and one guest only. Fee(s) for subsequent guest(s) will be charged to the Citi Prestige primary cardmember's account. Visit here for more information.

Chauffeured car service

Arrive on time and in style with the World Elite chauffeured car program, which gives you the best available price at the time of booking* as well as a saving of 15% on International Limousine, Sixt Limousine Service, Avis and Vitesse.

Luxury tours

Choose from a collection of World Elite luxury tours and vacations and private and bespoke travel experiences throughout the world. You'll receive the best available price at booking*, as well as savings of minimum US$250 or up to 5% per person on luxury and custom-designed tours and US$100 on escorted tours and independent vacations.

Car rental membership

As a Citi Prestige cardmember, you're eligible to enjoy World Elite Car Rental Membership . You'll receive car rental benefits including discounts and loyalty programs of your choice including National, Avis and Sixt. You'll avoid the hassle of waiting in lines, enjoy upgrades and earn free rentals faster.

Luxury cruises

Step aboard some of the world's finest ships with 750 World Elite sea and river cruise sailings to choose from. You'll get the best available price at booking* as well as up to US$500 in shipboard credits per stateroom on select sailings. Choose cruise providers in luxury, deluxe, premium and river categories, with unique discounts for each.

Private jets

Fly in style with unparalleled service on World Elite private jets. As a Citi Prestige cardmember, you'll get the best available price at time of booking* and save each time you fly - that's US$500 per booking with Sentient Jet.

Airport assistance service

As a Citi Prestige Cardmember you can enjoy access to MasterCard Airport Concierge™ services at more than 450 airports worldwide. Every time you request this service, a dedicated "Meet and Greet" airport agent will escort you through arrivals, departures or connections. Also, at select airports, you may be expedited through security and/or immigration checkpoints. You will receive a 15% discount on these services.

International Complimentary Night Hotels and Resorts Program

Enjoy a complimentary night stay when you book a minimum, consecutive four-night stay at any hotel or resort. There's no limit to the number of times you can use this benefit, so go ahead and book your stays around the world. Reservations must be made through the Citi Prestige Concierge. Bookings made through other methods such as travel agents, websites or directly with a hotel will not qualify.

Citi Prestige golf benefit

Enjoy 6 complimentary golf games at highly celebrated golf courses in Singapore, Malaysia, Indonesia, and China.

Citi Prestige offers

As a Citi Prestige Cardmember, you'll have access to special deals from our network of global partners, including discounts and offers on luxury brands, and global and regional tickets to events and shopping and dining experiences.

Exclusive 1-for-1 Dining Privileges

Valid from 17 Aug - 16 Dec 2022 and for pre-bookings via booking link.

Uncover the epitome of haute dining with us. Indulge in the pleasures of gastronomic delights at some of the best restaurants in town with your Citi Prestige Card.

For more details and pre-bookings, please click here . Click here for Terms and Conditions.

BAM! Restaurant

Gattopardo ristorante di mare, path restaurant, summer pavilion, sushi ichizuke.

Located in the prime location of Tanjong Pagar, BAM! is a gastro establishment that emphases the idea of ‘Modern Shudo’ referring to the modern style of sake enjoyment and promotes a unique omakase style dining. Accompanied by a warm ambience, the delectable cuisine are bound to excite the senses in your mouth. Price: S$208++ per pair

As the only Sicilian seafood restaurant in Singapore, Gattopardo brings Italian cuisine straight to your dinner table with its seasonal seafood menu. Chef Gio & Ken combine their years of experience to bring you on a gastronomic seafood adventure that is sure to delight your palette. Price: S$248++ per pair

Tempura coated in a gossamer-light better, fried to perfection before being dipped in a secret dipping sauce – every bite at Mizuki is a burst of delectable goodness you can’t ignore. With the finest ingredients flown in from Japan 3 times a week, you’d be pressed to find better fare. Price: S$280++ per pair

Path offers food that is familiar to the locals through the East Asian flavors but at the same time, there is a touch of French cuisine to it which makes the dishes stand out even more. With focus being placed on grape varietal and quality, the selection of wine available is exquisite. Embark on your own culinary adventure in Path while basking in the comfortable environment in the restaurant. Price: S$248++ per pair

With a Michelin-starred status, you can look forward to the authentic Cantonese cuisine that you can taste at Summer Pavilion. The restaurant’s interior has a theme of a modern Chinese garden, ranging from hand-painted tableware to a unique array of specialty teas. Price: S$248++ per pair

At Sushi Ichizuke, tradition meets modernity through a vibrant and lively omakase experience provided by the intricate craftsmanship of Chef Suzuki. Sushi Ichizuke makes use of the freshest ingredients flown in from Tokyo and the interior of the restaurant is well-furnished to ensure a pleasant dining experience for all. Price: S$480++ per pair

Personal protection

Personal and accident benefits.

You will be automatically covered for up to S$1,000,000 when you charge full travel fares to your Citi Prestige Card (up to S$50,000 for your accompanying dependent child). In the unfortunate event of death or permanent disablement, arising from an accident occurring in a common carrier, you will be assured of maximum protection and financial help when it is most needed.

Overseas medical benefits

For medical expenses incurred due to injury or sickness whilst on a covered trip, you will be reimbursed up to S$50,000 (for your accompanying dependent child, up to S$50,000). You will also be covered for up to S$100,000 for emergency medical evacuation and up to S$50,000 for repatriation

Travel inconvenience benefits

You will be automatically covered under below travel inconvenience benefits if you charge your full travel fares to your Citi Prestige Card for your overseas trip.

Effective 1 Feb 2024, the Citi Prestige complimentary travel insurance will be underwritten by HL Assurance Pte Ltd instead of AIG Asia Pacific Insurance Pte Ltd (“AIG”).

Please note that for claims under the complimentary travel insurance in respect of a Covered Trip starting on or before 31 Jan 2024 and ending on or before 31 Jan 2024, such claims should be filed with AIG Asia Pacific Insurance Pte. Ltd. (“AIG”).

For claims under the complimentary travel insurance in respect of a Covered Trip starting on or before 31 Jan 2024 but ending after 31 Jan 2024, such claims should be filed with HL Assurance Pte Ltd.

Refer to respective policy document for details and applicable terms and conditions.

For AIG, please click here .

For HL Assurance Pte Ltd, please click here .

Click here to see the full set of Terms and Conditions of the travel insurance.

Contact info

FOUR HANDS DINING

Get ready for a sophisticated culinary event in October as two esteemed chefs, Chef Thierry Drapeau of the 1-Michelin starred Signature Bangkok and Chef Yvan Yin of Riviera, come together for an enchanting Four Hands collaboration.

Chef Thierry, originally from France's Loire Valley, expertly melds the finest land and sea ingredients with his 'floral cuisine' culinary philosophy, where delicate flavours of fresh flowers and herbs season the meal, adding aromatic complexity. In parallel, Chef Yvan deftly combines his French culinary expertise with a profound understanding of Eastern cuisine, crafting dishes that harmoniously unite Eastern and Western palates, firmly establishing his culinary legacy.

This extraordinary partnership guarantees an evening brimming with exceptional flavours and a feast for the eyes.

*Best available price at the time of booking is based on a comparison with regular, published prices, excluding discount or negotiated rates not available to the general public, such as: membership, corporate, government, promotional, group, employee, packages, unpublished or rates only available on auction websites. Please visit the Citi Prestige terms and conditions page for additional details

The percentages below will be applied on your annual retail card purchase at the end of each anniversary year to derive the Relationship Bonus Points.

For example: You are a Citigold Client who has been a Citibank Singapore Limited customer for the past 8 years, with an annual retail card spend of S$50,000. Your Relationship Bonus rate would be 20% and you will receive a Relationship Bonus of 10,000 Citi ThankYou Points (S$50,000 annual retail spend x 20% bonus rate) at the end of membership year.

10,000 points = $100 gift card

5,000 points = $50 gift card

2,500 points = $25 gift card

Gift card point values are subject to change without notice. Please visit the ThankYou ® Rewards website for most current information.

If you don't have enough ThankYou ® Points to redeem for a travel reward you really want, you can use your Citi Prestige Card to pay the difference.

Visit the ThankYou ® Rewards website to learn more about your reward options, set up a ThankYou Member Account and view, redeem, and manage your ThankYou ® Points online. You can redeem points online or by calling 1-877-288-CITI (1-877-288-2484) or 817-802-6800 when calling from outside the U.S.

A complimentary glass of wine for you and a guest* • BisteccaTuscan Steakhouse • PrivéGrill • Roadhouse • Salt grill & Sky bar • Zafferano • Restaurant Absinthe • Gaia Ristorante& Bar • Oso Ristorante

*Only limited to Citi Prestige cardmember and a guest. Complimentary glass of wine is applicable only with every order of main course. Offer valid until 31 December 2013.

One-for-one for house wines & beer • iI Cielo Restaurant & Bar+

+Valid during happy hour (Mon -Sun, 6pm -9pm), one-for-one for house wines and beer. Offer valid until 31 December 2013.

10% off F&B bill • Capella Singapore     - Bob's Bar     - Cassia     - The Knolls

Offer valid until 31 October 2013. Terms & Conditions Upon making reservations (simply call Citi Prestige Service hotline at 6337 2484), cardmembers need to highlight that they are Citi Prestige cardmembers. To enjoy this privilege, payment must be made with a Citi Prestige Card. Not applicable with other promotions and discounts. Not applicable on eve of public holidays, public holidays and festive periods (including but not restricted to Christmas, New Year's & Valentine's Day).

Citi Prestige Platinum Movie Suites at Cathay Cineplexes Promotion ("Promotion") Terms and Conditions

1. This Promotion is valid from 1 April 2014 to 31 December 2014 (both days inclusive), and is applicable for all Citi Prestige MasterCard Credit Cardmembers ("Cardmembers") only. 2. To enjoy this promotion, Cardmembers must purchase a pair of Platinum Movie Suites tickets with their Citi Prestige Card. By presenting their Citi Prestige Card at the box office, they will be entitled to receive a pair of complimentary Platinum Movie Suites ticket vouchers ("vouchers"). 3. Vouchers will be issued in pairs, and will be capped at a maximum of two pairs or four vouchers per transaction made by the Cardmember. If a Cardmember purchases an odd number of tickets, they will receive a pair of vouchers rounded down to the nearest pair. 4. Each voucher entitles the Cardmember to one performance at any Platinum Movie Suites by Cathay Cineplexes in Singapore, excluding 3D, Tamil, Hindi, Special-Priced Tickets, Movie Marathons & Film Festival titles. The voucher is not exchangeable for cash in part or full and there is strictly no extension of the expiry date reflected on the voucher. It is not valid for phone/ internet/ group/ corporate bookings and must be presented at the box office for redemption. Group / Corporate bookings are denoted by a purchase of 20 or more tickets in 1 transaction. No replacement of voucher will be provided for lost or damaged vouchers. 5. Participating Platinum Movie Suites at Cathay Cineplexes include - Cineleisure Orchard, Jem, The Cathay (as of 8 May 2014). 6. In the event all or any of these Terms and Conditions are not acceptable to a Cardmember, such Cardmember should not participate in the Promotion, notwithstanding the offer.

Citibank Singapore Limited does not assume any responsibility for the products and services offered under this promotion. The products sold and services are provided solely by the relevant vendors, under such terms and conditions as determined by such vendors, and Citibank Singapore Limited accepts no liability whatsoever in connection with such products and services. The products and services have not been certified by Citibank Singapore Limited and under no circumstances shall the inclusion of any product or service in this promotion be construed as an endorsement or recommendation of such product or service by Citibank Singapore Limited.

Accelerated Earn Program will be made available at the following stores

Terms and Conditions 1. Accelerated earn of 10 Citi Dollars for every $1 charged at participating merchants (shops), is capped at a maximum of S$50,000 charged to the Citi Prestige Card during program period. 2. This privilege will be extended in conjunction with other promotions except vouchers (only be applicable to Citi vouchers). 3. Not exchangeable for cash. 4. The use and redemption of Citi Dollars is governed by the Citibank Rewards Program Terms and Conditions which is available at www.citibank.com.sg. 5. All issues must be resolved with the Partner directly. Citibank is not an agent of the Partner and assumes no liability or responsibility for the quality, merchantability or the fitness for any purpose or any other aspect of the products, services and/or the Privileges provided by the Partner. Notwithstanding anything herein, Citibank shall not, at any time, be responsible or held liable for any loss, injury, damage or harm suffered by or in connection with the products, services and/or the Privileges provided by the Partner.

Terms and Conditions 1. Privilege is valid from 15 March till 31 December 2015. 2. This promotion is not valid with any other offer, discounts code, loyalty program, or voucher, and cannot be applied retroactively. 3. This promotion is non-refundable, or exchangeable for cash or other reward items from Citibank. 4. Citibank is not a supplier of the product/service redeemed and will not accept any liability in relation thereto. 5. Citibank shall not be responsible for the quality, merchantability, or the fitness for any purpose or any other aspect of the products and/or services provided by third parties. Notwithstanding any herein, Citibank shall not at any time be responsible or held liable for any loss, injury, damage, or harm suffered by or in connection with the products and/or services provided by third parties. 6.Citibank and DFS Venture Singapore (Pte) Ltd, reserve the right to vary, delete, or add to any of these terms and conditions from time to time at its discretion. 7. These terms and conditions prevail over the contents of any brochure or other promotional material advertising the "Citibank Singapore Credit Cards - T Galleria Singapore". 8. "Citibank" means Citibank Singapore Limited. 9. Brands exclusions apply to: Fendi, Louis Vuitton and Prada boutiques.

Airport Limousine Transfer

Enjoy 2 complimentary rides per quarter with a minimum spend of S$12,000 within the same quarter. Kindly contact the Citi Prestige Concierge at 6337-2484 to book your Limousine ride.

For full terms and conditions, click here .

6 complimentary rounds of golf

Tee off at the finest golf courses with 3 games in Singapore and 3 games regionally. Complete your registration today and start enjoying added convenience and control in managing your golf bookings.

REGISTER NOW

Bookings via the webpage will be available from 10 April 2019 onwards.

• Sign On to Citibank Online
• Personal Loan Sign On
• Credit Cards
• Investments

IMPORTANT NOTICE

Credit cards" data-destinationurl="https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC" data-ctaposition="header:meganav" data-aria-label="Click here to view all Credit cards" href="https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC" rel="" innerhtml="Credit cards">Credit cards

Features & Benefits

Citi rewards program, citi rewards program > citi rewards" data-destinationurl="https://www1.citibank.com.au/rewardsintcid=meganav-cc" data-ctaposition="header:meganav" data-aria-label="click here to view the citi rewards program" href="https://www1.citibank.com.au/rewardsintcid=meganav-cc" rel="" innerhtml="citi rewards">citi rewards, citi rewards program >pay with points" data-destinationurl="https://www1.citibank.com.au/rewards/pay-with-pointsintcid=meganav-cc" data-ctaposition="header:meganav" data-aria-label="click here to learn more about pay with points" target="_self" href="https://www1.citibank.com.au/rewards/pay-with-pointsintcid=meganav-cc" rel="" innerhtml="pay with points">pay with points, instalment plans" data-destinationurl="https://www1.citibank.com.au/credit-cards/instalment-plansintcid=meganav-cc" data-ctaposition="header:meganav" data-aria-label="click here to learn about citi instalment plans" target="_self" href="https://www1.citibank.com.au/credit-cards/instalment-plansintcid=meganav-cc" rel="" innerhtml="instalment plans">instalment plans, account information, account information > setting up repayments" data-destinationurl="https://www1.citibank.com.au/personal-loans/help-and-support/repaymentsintcid=meganav-cc" data-ctaposition="header:meganav" data-aria-label="click here to setting up repayments" target="_self" href="https://www1.citibank.com.au/personal-loans/help-and-support/repaymentsintcid=meganav-cc" rel="" innerhtml="setting up repayments">setting up repayments, account information > useful forms and links" data-destinationurl="https://www1.citibank.com.au/help-and-support/useful-forms-and-links" data-ctaposition="header:meganav" data-aria-label="click here to view the useful forms and links page" target="_self" href="https://www1.citibank.com.au/help-and-support/useful-forms-and-links" rel="" innerhtml="useful forms and links">useful forms and links, calculators & tools" data-destinationurl="https://www1.citibank.com.au/credit-cards/calculatorsintcid=meganav-cc" data-ctaposition="header:meganav" data-aria-label="click here to use our credit card calculators" target="_self" href="https://www1.citibank.com.au/credit-cards/calculatorsintcid=meganav-cc" rel="" innerhtml="calculators & tools">calculators & tools, loans" data-destinationurl="https://www1.citibank.com.au/personal-loansintcid=meganav-pl" data-ctaposition="header:meganav" data-aria-label="click here to view our personal loans page" target="_self" href="https://www1.citibank.com.au/personal-loansintcid=meganav-pl" rel="" innerhtml="loans">loans, loans > citi ready credit" data-destinationurl="https://www1.citibank.com.au/personal-loans/ready-creditintcid=meganav-pl" data-ctaposition="header:meganav" data-aria-label="click here to view citi ready credit page" target="_self" href="https://www1.citibank.com.au/personal-loans/ready-creditintcid=meganav-pl" rel="" innerhtml=" citi ready credit"> citi ready credit, loans > personal loan plus" data-destinationurl="https://www1.citibank.com.au/personal-loans/personal-loan-plusintcid=meganav-pl" data-ctaposition="header:meganav" data-aria-label="click here to view citi personal loan plus page" target="_self" href="https://www1.citibank.com.au/personal-loans/personal-loan-plusintcid=meganav-pl" rel="" innerhtml=" personal loan plus"> personal loan plus, loans > help me choose" data-destinationurl="https://www1.citibank.com.au/personal-loans/help-me-chooseintcid=meganav-pl" data-ctaposition="header:meganav" data-aria-label="click here to view the help me choose page" target="_self" href="https://www1.citibank.com.au/personal-loans/help-me-chooseintcid=meganav-pl" rel="" innerhtml="help me choose">help me choose, loans > compare loans" data-destinationurl="https://www1.citibank.com.au/personal-loans/compare-loansintcid=meganav-pl" data-ctaposition="header:meganav" data-aria-label="click here to view the compare loans page" target="_self" href="https://www1.citibank.com.au/personal-loans/compare-loansintcid=meganav-pl" rel="" innerhtml="compare loans">compare loans, view all loans" data-destinationurl="https://www1.citibank.com.au/personal-loansintcid=meganav-pl-view-all" data-ctaposition="header:meganav" data-aria-label="click here to view all loans page" target="_self" href="https://www1.citibank.com.au/personal-loansintcid=meganav-pl-view-all" rel="" innerhtml=" view all loans > "> view all loans >, account information > how to use your account" data-destinationurl="https://www1.citibank.com.au/personal-loans/how-to-use-your-accountintcid=meganav-pl" data-ctaposition="header:meganav" data-aria-label="click here to learn how to use your citi lending account" target="_self" href="https://www1.citibank.com.au/personal-loans/how-to-use-your-accountintcid=meganav-pl" rel="" innerhtml="how to use your account">how to use your account, account information > how to manage your account" data-destinationurl="https://www1.citibank.com.au/personal-loans/how-to-manage-your-accountintcid=meganav-pl" data-ctaposition="header:meganav" data-aria-label="click here to learn how to manage your citi lending account" target="_self" href="https://www1.citibank.com.au/personal-loans/how-to-manage-your-accountintcid=meganav-pl" rel="" innerhtml="how to manage your account">how to manage your account, account information > setting up repayments" data-destinationurl="https://www1.citibank.com.au/personal-loans/help-and-support/repaymentsintcid=meganav-pl" data-ctaposition="header:meganav" data-aria-label="click here to learn how to make repayments to your personal loan account" target="_self" href="https://www1.citibank.com.au/personal-loans/help-and-support/repaymentsintcid=meganav-pl" rel="" innerhtml="setting up repayments">setting up repayments, account information > fees & charges" data-destinationurl="https://www1.citibank.com.au/personal-loans/fees-chargesintcid=meganav-pl" data-ctaposition="header:meganav" data-aria-label="click here to view personal loans fees & charges" target="_self" href="https://www1.citibank.com.au/personal-loans/fees-chargesintcid=meganav-pl" rel="" innerhtml="fees & charges">fees & charges, account information > useful forms and links" data-destinationurl="https://www1.citibank.com.au/help-and-support/useful-forms-and-linkstab=lending&intcid=meganav-pl" data-ctaposition="header:meganav" data-aria-label="click here to view useful forms and links" target="_self" href="https://www1.citibank.com.au/help-and-support/useful-forms-and-linkstab=lending&intcid=meganav-pl" rel="" innerhtml="useful forms and links">useful forms and links, calculators & tools" data-destinationurl="https://www1.citibank.com.au/personal-loans/calculatorsintcid=meganav-pl" data-ctaposition="header:meganav" data-aria-label="click here to view the calculators & tools" target="_self" href="https://www1.citibank.com.au/personal-loans/calculatorsintcid=meganav-pl" rel="" innerhtml="calculators & tools">calculators & tools, help with credit cards" data-destinationurl="" href="unsafe:javascript:void(0);" rel="" innerhtml=" help with credit cards"> help with credit cards, help with credit cards > check application status" data-destinationurl="https://www.citibank.com.au/global_docs/check_app_status.htm" data-ctaposition="header:meganav" data-aria-label="click here to check the status of your application" target="_self" href="https://www.citibank.com.au/global_docs/check_app_status.htm" rel="" innerhtml="check application status">check application status.

Account management

Account management > update contact details" data-destinationurl="https://www1.citibank.com.au/help-and-support/update-contact-detailsintcid=meganav-hs" data-ctaposition="header:meganav" data-aria-label="click here to update your contact details" target="_self" href="https://www1.citibank.com.au/help-and-support/update-contact-detailsintcid=meganav-hs" rel="" innerhtml="update contact details">update contact details, account management > travelling overseas" data-destinationurl="https://www1.citibank.com.au/help-and-support/travelling-overseasintcid=meganav-hs" data-ctaposition="header:meganav" data-aria-label="click here to view the travelling overseas page" target="_self" href="https://www1.citibank.com.au/help-and-support/travelling-overseasintcid=meganav-hs" rel="" innerhtml="travelling overseas">travelling overseas, account management > reset user id or password" data-destinationurl="https://www1.citibank.com.au/help-and-support/reset-passwordintcid=meganav-hs" data-ctaposition="header:meganav" data-aria-label="click here to reset your user id or password" target="_self" href="https://www1.citibank.com.au/help-and-support/reset-passwordintcid=meganav-hs" rel="" innerhtml="reset user id or password">reset user id or password, account management > document upload" data-destinationurl="https://www.citibank.com.au/aus/static/document_upload.htmintcid=meganav-hs" data-ctaposition="header:meganav" data-aria-label="click here to upload your forms and documents" target="_self" href="https://www.citibank.com.au/aus/static/document_upload.htmintcid=meganav-hs" rel="" innerhtml="document upload">document upload, account management > download citi mobile app" data-destinationurl="https://www1.citibank.com.au/citi-mobile-appintcid=meganav-hs" data-ctaposition="header:meganav" data-aria-label="click here to learn about the citi mobile® app" target="_self" href="https://www1.citibank.com.au/citi-mobile-appintcid=meganav-hs" rel="" innerhtml="download citi mobile ®️ app">download citi mobile ®️ app, account management > deposit & home loan accounts" data-destinationurl="https://www1.citibank.com.au/nabintcid=meganav-hs" data-ctaposition="header:meganav" data-aria-label="click here to learn about the move to nab" href="https://www1.citibank.com.au/nabintcid=meganav-hs" rel="" innerhtml="deposit & home loan accounts">deposit & home loan accounts, support > support services" data-destinationurl="https://www1.citibank.com.au/help-and-support/supporting-youintcid=meganav-hs" data-ctaposition="header:meganav" data-aria-label="click here to learn about our support services" target="_self" href="https://www1.citibank.com.au/help-and-support/supporting-youintcid=meganav-hs" rel="" innerhtml="support services">support services, support > financial hardship" data-destinationurl="https://www1.citibank.com.au/help-and-support/financial-hardshipintcid=meganav-hs" data-ctaposition="header:meganav" data-aria-label="click here to learn about financial hardship" target="_self" href="https://www1.citibank.com.au/help-and-support/financial-hardshipintcid=meganav-hs" rel="" innerhtml="financial hardship">financial hardship, support > disaster & crisis support" data-destinationurl="https://www1.citibank.com.au/help-and-support/disaster-and-crisis-supportintcid=meganav-hs" data-ctaposition="header:meganav" data-aria-label="click here to learn about our disaster and crisis support" target="_self" href="https://www1.citibank.com.au/help-and-support/disaster-and-crisis-supportintcid=meganav-hs" rel="" innerhtml="disaster & crisis support">disaster & crisis support, support > scams" data-destinationurl="https://www1.citibank.com.au/help-and-support/scamsintcid=meganav-hs" data-ctaposition="header:meganav" data-aria-label="click here to learn about scam prevention and reporting scams" target="_self" href="https://www1.citibank.com.au/help-and-support/scamsintcid=meganav-hs" rel="" innerhtml="scams">scams, support > dispute transactions" data-destinationurl="https://www1.citibank.com.au/help-and-support/dispute-transactionsintcid=meganav-hs" data-ctaposition="header:meganav" data-aria-label="click here to learn how to dispute a transaction" target="_self" href="https://www1.citibank.com.au/help-and-support/dispute-transactionsintcid=meganav-hs" rel="" innerhtml="dispute transactions">dispute transactions, support > banking code of practice" data-destinationurl="https://www1.citibank.com.au/help-and-support/banking-codeintcid=meganav-hs" data-ctaposition="header:meganav" data-aria-label="click here to learn about the banking code of practice" target="_self" href="https://www1.citibank.com.au/help-and-support/banking-codeintcid=meganav-hs" rel="" innerhtml="banking code of practice">banking code of practice, support > data sharing consent (open banking)" data-destinationurl="https://www1.citibank.com.au/open-bankingintcid=meganav-hs" data-ctaposition="header:meganav" data-aria-label="click here to learn about our data sharing consents and open banking" target="_self" href="https://www1.citibank.com.au/open-bankingintcid=meganav-hs" rel="" innerhtml=" ul.navbar-sub-menus {color: #002a54 important;} #signon {color: #ffffff important; border: 2px solid #002a54 important; background: #002a54 important; line-height: 3rem; padding-left: 3rem; padding-right: 3rem; border-radius: 0.6rem; box-shadow: none important; transform: none important; transition: none important; min-width: 10rem; min-height: 3rem;}.navigation-bar.bg-base.main-menu-font-size .container.navigation {line-height: 4rem;}.meganav-sec{display:flex;flex-direction:row;border-radius:8px;width:350px;align-items: center; background-color:#fde8cc important;}.megabox1{width:30%;}.megabox2{width:70%;background-color:#fde8cc important;border-radius: 0 8px 8px 0;padding:5px 10px}.megabox2 p {margin: 0 important;}@media only screen and (max-device-width : 768px){.meganav-sec{width:260px;}} data sharing consent (open banking)"> ul.navbar-sub-menus {color: #002a54 important;} #signon {color: #ffffff important; border: 2px solid #002a54 important; background: #002a54 important; line-height: 3rem; padding-left: 3rem; padding-right: 3rem; border-radius: 0.6rem; box-shadow: none important; transform: none important; transition: none important; min-width: 10rem; min-height: 3rem;}.navigation-bar.bg-base.main-menu-font-size .container.navigation {line-height: 4rem;}.meganav-sec{display:flex;flex-direction:row;border-radius:8px;width:350px;align-items: center; background-color:#fde8cc important;}.megabox1{width:30%;}.megabox2{width:70%;background-color:#fde8cc important;border-radius: 0 8px 8px 0;padding:5px 10px}.megabox2 p {margin: 0 important;}@media only screen and (max-device-width : 768px){.meganav-sec{width:260px;}} data sharing consent (open banking), the move to nab" data-destinationurl="https://www1.citibank.com.au/nabintcid=meganav-au" data-ctaposition="header:meganav" data-aria-label="click here to learn about the move to nab" target="_self" href="https://www1.citibank.com.au/nabintcid=meganav-au" rel="" innerhtml="the move to nab">the move to nab, sign into nab >" data-destinationurl="https://ib.nab.com.au/login" data-ctaposition="header:meganav" data-aria-label="click here to sign in to nab" target="_blank" href="https://ib.nab.com.au/login" rel="" innerhtml=" sign into nab > "> sign into nab >, report lost or stolen card" data-destinationurl="https://www1.citibank.com.au/help-and-support/lost-or-stolen-cardintcid=meganav-cu" data-ctaposition="header:meganav" data-aria-label="click here to report a lost or stolen card" target="_self" href="https://www1.citibank.com.au/help-and-support/lost-or-stolen-cardintcid=meganav-cu" rel="" innerhtml="report lost or stolen card">report lost or stolen card, report a scam" data-destinationurl="https://www1.citibank.com.au/help-and-support/scamsintcid=meganav-cu" data-ctaposition="header:meganav" data-aria-label="click here to report a scam" target="_self" href="https://www1.citibank.com.au/help-and-support/scamsintcid=meganav-cu" rel="" innerhtml="report a scam">report a scam.

• Help and Support

Complimentary Insurance

Many of our Citi credit card cardholders are eligible for complimentary insurance cover. Check below to see if your credit card provides any complimentary insurance covers.

If you need to make a travel claim, we encourage you to do so online . If you are looking for information about the impact of COVID-19 on travel insurance, please refer to our FAQs .

Our complimentary credit card insurance cover is issued and managed by AWP Australia Pty Limited (trading as Allianz Global Assistance) on behalf of the insurer Allianz Australia Insurance Limited.

For each complimentary insurance cover you are eligible for, please ensure you take the time to review the full terms and conditions. When you do, make sure you pay special attention to the benefits, eligibility and exclusions. It is particularly important to do this before travelling or purchasing goods as your cover may not be sufficient for your personal circumstances.

Citi Credit Cards Complimentary Insurance Policy Information Booklet

Note for Emirates Citi World Mastercard cardholders: Complimentary insurance covers associated with your card for travel and purchasing of goods will be honoured in accordance with the Citi Credit Cards Complimentary Insurance Policy Information Booklet provided you meet the eligibility requirements, and your account remains open at the time you make a claim. This means if you have purchased a return overseas travel ticket with your Emirates Citi World Mastercard and you became eligible for complimentary International Travel Insurance prior to 31 May 2023 but your travel commences after 31 May 2023, complimentary International Travel Insurance will still apply to that travel provided your account remains open.

Note for Emirates Citi World Mastercard cardholders: Complimentary insurance covers associated with your card for travel and purchasing of goods will be honoured in accordance with the Citi Credit Cards Complimentary Insurance Policy Information Booklet provided you meet the eligibility requirements, and your account remains open at the time you make a claim. This means if you have purchased a return overseas travel ticket with your Emirates Citi World Mastercard and you became eligible for complimentary International Travel Insurance prior to 31 May 2023 but your travel commences after 31 May 2023, complimentary International Travel Insurance will still apply to that travel provided your account remains open.

Additional Information

• PRESTIGE AND PREMIER
• SIMPLICITY & CLEAR

International Travel Insurance

Eligibility

Citi Prestige and Premier cardholders can access to up to 6 months complimentary International Travel Insurance cover when meeting the eligibility criteria as set out in the Citibank Credit Card Complimentary Insurance Policy including:

• spending at least $500 of prepaid travel costs on an eligible card or through a frequent flyer or travel program as outlined in the Policy Information Booklet
• holding a return overseas travel ticket before departing Australia
• you are aged under 81 years at the time you become eligible.

Your spouse and your dependants travelling with you may be covered by this policy. Eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits apply.

You can check your eligibility for International Travel Insurance and obtain a Letter of Eligibility by using the Allianz Global Assistance eligibility portal .

What is covered

The below information is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.

• overseas emergency assistance
• overseas medical and dental expenses
• accidental death, permanent disability and loss of income
• cancellation
• travel delay and alternative transport expenses
• luggage and luggage delay
• rental vehicle excess cover for damage or theft of rental vehicle
• personal liability

A maximum $400 excess may apply for each claim made. No excess may apply to some claims, please refer to the Policy Information Booklet.

Citi Prestige and Premier cardholders can access to up to 6 months complimentary International Travel Insurance cover when meeting the eligibility criteria as set out in the Citibank Credit Card Complimentary Insurance Policy including:

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.

Domestic Travel Insurance

Citi Prestige and Premier cardholders can access to up to 28 days complimentary Domestic Travel Insurance cover when meeting the eligibility criteria as set out in the Citi credit card complimentary insurance policy:

• the entire cost of your return domestic flight ticket is charged to the accountholder’s card account prior to commencing the journey; or
• before commencing your journey, you spend at least $250 on your prepaid travel costs and you charge these costs (e.g. cost of your return domestic travel ticket; and/or airport/departure taxes; and/or your prepaid domestic accommodation/travel; and/or your other prepaid domestic itinerary items) to the accountholder’s card account and you have a return domestic flight ticket prior to commencing the journey.
• flight delay
• additional expenses
• luggage delay

A maximum $75 excess may apply for each claim made. No excess may apply to some claims, please refer to the Policy Information Booklet.

Citi Prestige and Premier cardholders can access to up to 28 days complimentary Domestic Travel Insurance cover when meeting the eligibility criteria as set out in the Citi credit card complimentary insurance policy:

• the entire cost of your return domestic flight ticket is charged to the accountholder’s card account prior to commencing the journey; or
• before commencing your journey, you spend at least $250 on your prepaid travel costs and you charge these costs (e.g. cost of your return domestic travel ticket; and/or airport/departure taxes; and/or your prepaid domestic accommodation/travel; and/or your other prepaid domestic itinerary items) to the accountholder’s card account and you have a return domestic flight ticket prior to commencing the journey.

Rental Vehicle Excess Insurance in Australia

Citi Prestige and Premier cardholders are covered when the entire payment for the vehicle rental was charged to the accountholder's card account.

The cover available begins when you collect the rental vehicle from the rental vehicle company or agency you have entered into a rental vehicle agreement with and ends when you return the rental vehicle to the rental vehicle company or agency or at the expiry of the rental vehicle agreement, whichever occurs earlier.

The amount specified in your rental vehicle agreement up to the maximum total limit of $10,000 for all claims combined during the rental period.

An excess of $100 applies to each claim payable under Rental Vehicle Excess Insurance in Australia.

Purchase Protection Insurance

Citi Prestige and Premier cardholders are eligible for Purchase Protection Insurance for covered items or valuables:

• purchased anywhere in the world; or
• purchased and given as a gift to any permanent Australian resident,

provided the whole purchase price of the covered item is charged to the accountholder's card account.

Please note you are covered for 90 consecutive days after the date you take possession of the covered item or valuable.

You are covered for the purchase price charged to the card account except for jewellery, watches and new works of art which are limited to $5,000 per claim. Maximum total limit for all claims in any twelve (12) consecutive month period is $200,000 per card account.

No excess applies to any claim under Purchase Protection Insurance.

Extended Warranty Insurance

Citi Prestige and Premier cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Only items with a manufacturer’s unique identification serial number on them and a manufacturer’s warranty period are covered under this insurance.

The table below sets out examples of how extended warranty periods apply.

You are covered for the purchase price charged to the card account limited to $10,000 per covered item up to a maximum total limit of $40,000 per card account in any 12 month period.

No excess applies to any claim payable under Extended Warranty Insurance.

Citi Prestige and Premier cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Only items with a manufacturer’s unique identification serial number on them and a manufacturer’s warranty period are covered under this insurance.

You are covered for the purchase price charged to the card account limited to $10,000 per covered item up to a maximum total limit of $40,000 per card account in any 12 month period.

Frequently Asked Questions

If I need further clarification of the Complimentary Insurance Policy who should I call?

For general enquiries about your policy please contact AGA Assistance Australia Pty Ltd (Allianz Global Assistance) on 1800 072 791.

If you have a travel emergency, please contact +61 7 3305 7499.

What documents should I take with me when I am travelling overseas?

In the event that you need to make a claim under this cover (especially if claiming whilst overseas), it will be necessary for you or your agents to provide information to establish your eligibility as reasonably requested by Allianz Global Assistance or its agents. Without this information it may not be possible for Allianz Global Assistance or its agents to give approval for overseas medical attention or assistance.

With this in mind you should make sure you can access the following documents when you travel.

• The Citi Credit Cards Complimentary Insurance Policy Information Booklet
• Copies of your overseas travel ticket; and either:
• your eligible credit card account statement and/or credit card receipt to confirm the purchase of your overseas travel tickets; or
• evidence confirming that your overseas travel ticket was arranged under the required travel program or the required number of reward or Qantas Frequent Flyer points were transferred or redeemed in exchange for your overseas travel ticket.

For general enquiries about your policy please contact AGA Assistance Australia Pty Ltd (Allianz Global Assistance) on 1800 072 791.

If you have a travel emergency, please contact +61 7 3305 7499.

Make a Claim

Call emergency services immediately if your condition is life threatening.

Call us as soon as you can on: +61 7 3305 7499 (overseas) 1800 010 075 (within Australia)

Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

Lodge your International Travel Insurance claim online at travelclaims.com.au

Access claim forms 24 hours a day, 7 days a week at claims.agaassistance.com.au

Phone: 1800 072 791 (within Australia) 
Monday to Friday 8.30am to 5.00pm AEST

Email: [email protected]

Customer Support:

Phone: 1800 072 791 (within Australia)

Monday to Friday 8.00am to 7.00pm AEST

Call us as soon as you can on: +61 7 3305 7499 (overseas) 1800 010 075 (within Australia)

Phone: 1800 072 791 (within Australia) Monday to Friday 8.30am to 5.00pm AEST

Phone: 1800 072 791 (within Australia)

Citi Rewards cardholders can access to up to 3 months complimentary International Travel Insurance cover when meeting the eligibility criteria as set out in the Citibank Credit Card Complimentary Insurance Policy including:

Citi Rewards cardholders can access to up to 14 days complimentary Domestic Travel Insurance cover when meeting the eligibility criteria as set out in the Citibank Credit Card Complimentary Insurance Policy:

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023.

Citi Rewards cardholders are covered when the entire payment for the vehicle rental was charged to the accountholder’s card account.

The amount specified in your rental vehicle agreement up to the maximum total limit of $5,000 for all claims combined during the rental period.

Citi Rewards cardholders are covered when the entire payment for the vehicle rental was charged to the accountholder’s card account.

Citi Rewards cardholders are eligible for Purchase Protection Insurance for covered items and valuables:

provided the whole purchase price of the covered item is charged to the accountholder’s card account.

You are covered for the purchase price charged to card account except for jewellery, watches and new works of art which are limited to $5,000 per claim. Maximum total limit for all claims in any twelve (12) consecutive month period is $200,000 per card account.

provided the whole purchase price of the covered item is charged to the accountholder’s card account.

Citi Rewards cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

You are covered for the purchase price charged to the card account limited to $10,000 per covered item up to a maximum total limit of $40,000 per card account in any 12 month period.

Citi Rewards cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

For general enquiries about your policy please contact Allianz Global Assistance on 1800 072 791.

For general enquiries about your policy please contact Allianz Global Assistance on 1800 072 791.

Citi Gold cardholders are eligible for Purchase Protection Insurance for covered items and valuables:

Citi Gold cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Citi Gold cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Make a claim

Citi Classic cardholders are eligible for Purchase Protection Insurance for covered items and valuables:

Citi Classic cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Citi Classic cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Citi Simplicity and Clear cardholders are eligible for Purchase Protection Insurance for covered items and valuables:

Citi Simplicity and Clear cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Citi Simplicity and Clear cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered item is charged to the accountholder’s card account.

Important Information

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

Can't find what you're looking for?   Contact us >

Can't find what you're looking for?   Contact us >

Best credit cards for travel insurance in 2024

Travel insurance benefits offered through credit cards can include trip cancellation and interruption insurance, travel delay coverage and lost luggage reimbursement. You must pay for travel with a common carrier with your respective card for complimentary travel insurance benefits to apply. While credit cards with travel insurance can help protect your trip, they come up short when it comes to protection for emergency medical expenses.

Our top recommendations

• card_name : Best travel insurance benefits overall.
• card_name : Best travel insurance benefits, runner-up.
• card_name : Best for premium benefits.
• card_name : Best for luxury travel.
• card_name : Best for food spending.
• card_name : Best for flat-rate rewards.
• card_name : Best with no annual fee.
• card_name : Best airline credit card for travel insurance.
• card_name : Best for Marriott Bonvoy.
• Hilton Honors American Express Aspire Card : Best for Hilton Honors.

card_name : Best travel insurance benefits overall

Chase sapphire reserve®, why we like it.

• Chase Ultimate Rewards points transfer to airlines and hotels.
• Get 50% more value for travel booked through Chase.
• Comes with $300 travel credit each year.
• Includes airport lounge access.
• No foreign transaction fees.
• Comes with generous travel insurance benefits.
• annual_fees annual fee.
• High variable APR.
• Requires very good or excellent credit.

Travel insurance benefits:

• Trip cancellation coverage worth up to $10,000 per person and $20,000 per trip.
• Trip interruption coverage worth up to $10,000 per person and $20,000 per trip.
• Trip delay coverage worth up to $500 per ticket (six-hour delay required).
• Baggage delay coverage worth up to $100 per day for five days.
• Lost luggage reimbursement worth up to $3,000 per passenger.
• Travel accident insurance worth up to $1 million.
• Primary rental car coverage worth up to $75,000.
• Emergency medical and dental benefits worth up to $2,500 when you're at least 100 miles from home.
• Emergency evacuation coverage worth up to $100,000.

The card_name Card has the best selection of travel insurance benefits of any credit card on the market today by far. Its coverage is broad and rewarding with included benefits for medical expenses and emergency evacuation you don't see from other travel credit cards.

This card also earns valuable Chase Ultimate Rewards points that can be redeemed for cash back, gift cards, merchandise or travel through Chase with 50% more value. Points also transfer 1:1 to airline and hotel partners like British Airways, Southwest Rapid Rewards, United MileagePlus and World of Hyatt.

card_name : Best travel insurance benefits, runner-up

Chase sapphire preferred® card.

• Points transfer 1:1 to Chase airline and hotel partners.
• Get 25% more value for points when booking travel through Chase.
• Other flexible rewards options.
• Excellent earning rate for everyday purchases.
• Comes with a $50 annual hotel stay credit.
• Requires very good to excellent credit.
• No luxury travel benefits.
• Trip interruption insurance worth up to $10,000 per person and $20,000 per trip.
• Trip delay insurance worth up to $500 per ticket (12-hour delay required).
• Baggage delay insurance worth up to $100 per day for five days.
• Travel accident insurance worth up to $500,000.
• Primary rental car insurance worth up to the actual cash value of the car.

The card_name offers similar travel insurance protections as the Reserve, but with fewer benefits and some lower coverage limits. However, the annual fee on this card is just annual_fees , and users still earn valuable and flexible Chase Ultimate Rewards points.

This makes the card_name a good option for frequent travelers who want the chance to transfer their rewards to airline and hotel partners but want to keep costs down. Customers can also use their points to book travel through the Chase portal, or they can redeem for cash back, gift cards or merchandise.

card_name : Best for premium benefits

Capital one venture x rewards credit card.

• Earns flexible miles that transfer to Capital One airline and hotel partners.
• $300 annual travel credit.
• Airport lounge membership included.
• Excellent rewards rate for eligible travel purchases.
• Lower annual fee than other premium cards with airport lounge access.
• High APR if you carry a balance.
• Excellent credit required.
• Trip cancellation coverage worth up to $2,000 per person.
• Trip interruption coverage worth up to $2,000 per person.
• Lost luggage reimbursement worth up to $3,000 per covered trip ($2,000 per bag in New York).
• Trip delay insurance worth up to $500 per ticket (six-hour delay required).
• Primary auto rental coverage worth up to $75,000.

The card_name is a Visa Infinite card, so it includes a range of travel insurance protections you won't find with other cards. This flexible travel credit card also earns Capital One miles that can be used to book travel through Capital One or transferred to Capital One airline and hotel partners. Additional flexible redemption options include gift cards, statement credits, merchandise and more.

Other reasons to love this card include its $300 annual travel credit, airport lounge membership, cell phone protection and Hertz President's Circle status.

card_name : Best for luxury travel

The platinum card® from american express.

( Rates & Fees )

Insurance disclosures

• Trip Delay Insurance - Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
• Trip Cancellation and Interruption Insurance - The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
• Premium Global Assist Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
• Cell Phone Protection - Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
• Extended Warranty – When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Return Protection - With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
• Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Baggage Insurance Plan - Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Car Rental Loss & Damage Insurance - Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
• Earns flexible Amex Membership Rewards points.
• $1,500+ in statement credits each year.
• Broadest airport lounge membership available today.
• Very good to excellent credit required.
• Statement credits can be difficult to use.
• Trip cancellation coverage worth up to $10,000 per trip (maximum benefit of $20,000 each 12-month period).
• Trip interruption coverage worth up to $10,000 per trip (maximum benefit of $20,000 each 12-month period).
• Trip delay coverage worth up to $500 per trip (six-hour delay required).
• Secondary rental car insurance worth up to $75,000.

‌ card_name doesn't offer as many travel insurance benefits as other premium travel credit cards on our list, but it does offer more statement credits and the broadest airport lounge membership available from a credit card. This card also earns flexible American Express Membership Rewards points that can be used for travel through Amex, point transfers to Amex airline and hotel partners, gift cards and other flexible options. Terms apply.

card_name : Best for food spending

American express® gold card.

Trip Delay Insurance - Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.

• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
• Please visit americanexpress.com/benefitsguide for more details. 
• Underwritten by New Hampshire Insurance Company, an AIG Company.

Global Assist Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.

• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
• Please visit americanexpress.com/benefitsguide for more details.
• Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty - When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

• Underwritten by AMEX Assurance Company.

Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. 

Baggage Insurance Plan - Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

Car Rental Loss & Damage Insurance - Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

• Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
• Points transfer to Amex airline and hotel partners.
• Comes with up to $240 in statement credits each year.
• Generous rewards for food spending and airfare.
• High APR can apply.
• Baggage insurance plan worth up to $1,250 for carry-on bags and up to $500 for checked bags ($10,000 aggregate coverage limit for residents of New York).
• Secondary auto rental coverage worth up to $50,000 per rental agreement.
• Trip delay insurance worth up to $300 per covered trip (up to two claims allowed per 12-month period).

The card_name offers a few important travel protections, plus generous rewards for big food spenders. In addition to its impressive rewards rates for purchases at U.S. supermarkets and restaurants worldwide, this card also comes with up to $240 in credits per year that can apply to select dining purchases and Uber rides or Uber Eats food deliveries.

Cardholders with the card_name also earn American Express Membership Rewards points that are highly flexible and valuable when it comes to travel redemptions.

card_name : Best for flat-rate rewards

Capital one® venture® rewards credit card.

• Earns flexible rewards with Capital One.
• Miles transfer to Capital One airline and hotel partners.
• Excellent flat rewards rate.
• Fee credit for Global Entry or TSA PreCheck membership included.
• Primary auto rental coverage worth up to the actual cash value of a vehicle if you don't have your own insurance (secondary coverage if you have your own insurance)
• Lost luggage reimbursement worth up to $3,000 per trip ($2,000 per bag for New York residents)
• Travel accident insurance worth up to $250,000

The card_name offers a few travel insurance benefits that can help protect your trip. Cardholders also earn flexible Capital One miles that can be used to book travel through Capital One or transferred to airline and hotel partners. Rewards can also be used for statement credits, gift cards and other flexible options.

The annual_fees annual fee on this card makes it a steal when you consider the sign-up bonus you can earn, along with perks like a fee credit for Global Entry or TSA PreCheck membership.

card_name : Best with no annual fee

Chase freedom unlimited®.

• Generous cash back rate for everyday purchases.
• Comes with intro APR offer.
• Rewards points are flexible.
• Points do not transfer to Chase airline and hotel partners.
• High variable APR after intro offer.
• Charges foreign transaction fees.
• Trip cancellation coverage worth up to $1,500 per passenger and $6,000 per covered trip.
• Trip interruption coverage worth up to $1,500 per passenger and $6,000 per covered trip.
• Secondary auto rental coverage.

The card_name is an excellent choice for infrequent travelers who want protection for trip cancellation and interruption first and foremost. This card doesn't charge an annual fee, and it features incredible cash back rates in several everyday spending categories. Users even get an intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration , which can help them save on interest payments for more than a year.

card_name : Best airline credit card for travel insurance

United quest℠ card.

• Earns United miles that are redeemable for flights with United and Star Alliance partners.
• Comes with frequent flyer benefits.
• Earn PQP toward elite status.
• annual_fees annual fee applies.
• Rewards inflexibility.
• Trip cancellation coverage worth up to $1,500 per traveler and up to $6,000 per covered trip.
• Trip interruption coverage worth up to $1,500 per traveler and up to $6,000 per covered trip.
• Baggage delay insurance worth up to $100 per day for three days (six-hour delay required).
• Trip delay reimbursement worth up to $500 per ticket (12-hour delay or overnight stay required).
• Primary auto rental coverage worth up to the cash value of the vehicle.

While the card_name requires a annual_fees annual fee, this card comes with a robust selection of travel insurance benefits and frequent-flyer perks. Users also earn United miles that can be used for flights with United and partners to more than 1,200 destinations in 186 countries around the world.

This card also gives members the chance to earn PQP toward elite status with the United MileagePlus program.

card_name : Best for Marriott Bonvoy

Marriott bonvoy brilliant® american express® card.

Trip Cancellation and Interruption Insurance - The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Premium Global Assist Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

• If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

Return Protection - With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply.

Baggage Insurance Plan - Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Car Rental Loss & Damage Insurance - Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

• Automatic Platinum Elite status with Marriott Bonvoy.
• Includes a range of travel benefits and statement credit offers.
• Comes with airport lounge membership.
• Generous welcome bonus and earning rates.
• Trip cancellation insurance worth up to $10,000 per covered trip and up to $20,000 per eligible card per 12-month period.
• Trip interruption insurance worth up to $10,000 per covered trip and up to $20,000 per eligible card per 12-month period.
• Trip delay insurance worth up to $500 per trip (six-hour delay required) with a maximum limit of two claims per 12-month period.
• Baggage insurance plan worth up to $2,000 for checked bags and up to $3,000 for both checked and carry-on luggage ($2,000 per bag in coverage for New York residents with aggregate limit of $10,000).

The card_name offers a suite of impressive benefits Marriott Bonvoy enthusiasts will love, including annual dining credits, automatic Platinum Elite status, and a $100 property credit. Other cardholder perks help justify the annual_fees annual fee, including Priority Pass Select membership and the credit for Global Entry or TSA PreCheck membership.

This card also includes more travel insurance benefits than many other hotel credit cards on the market today.

Hilton Honors American Express Aspire Card : Best for Hilton Honors

Hilton Honors American Express Aspire Card

• Comes with automatic Hilton Diamond status.
• Range of hotel benefits and statement credits included.
• Comes with Priority Pass Select membership.
• Free night award each year.
• Several flight benefits included.
• $550 annual fee.

The Hilton Honors American Express Aspire Card offers a robust selection of benefits for air travel, airports and stays with the Hilton brand. While the $550 annual fee is high, perks like airport lounge membership, annual hotel stay credits and a free night award each year can more than make up for it. The included travel insurance benefits for this card are also generous, and they can be well worth having if you need to file a claim.

Best credit cards for travel insurance 2024: Comparison

How we chose the best credit cards for travel insurance.

To find the best credit cards for travel insurance, we looked at cards based on their included insurance benefits first and foremost. We gave preference to cards that offer trip cancellation and interruption coverage, as well as insurance for lost or delayed bags and travel delays.

We also looked for credit cards that offer the most lucrative rewards structures and welcome offers, as well as flexibility within their designated rewards programs. Other factors we took into consideration include annual fees and interest rates.

Choosing the best credit card for travel insurance: Where to begin

The best credit card for travel insurance can vary from person to person, and assessing each card based on the most important factors can help you in your search. Consider the following criteria as you select a credit card for your next trip.

Travel insurance benefits

The credit cards in this ranking offer complimentary travel insurance protections, although you have to pay for travel with your card for a trip to be covered. These benefits can include trip cancellation and interruption insurance, baggage delay coverage, lost luggage reimbursement, trip delay insurance, primary auto rental coverage and more. Some cards even offer limited coverage for emergency medical expenses and emergency medical evacuation.

Annual fees

Credit cards with the most benefits tend to charge annual fees of $395 to $695. Meanwhile, there are some credit cards with travel insurance that charge $0 to $95 per year.

Either way, you'll want to make sure any annual fee you pay is worth it based on the travel insurance benefits, rewards and other perks you receive.

Travel perks and features

Decide if you want premium travel benefits like airport lounge access, expedited airport security or annual travel credits. If you do want a travel credit card with all the bells and whistles, prepare to pay several hundred dollars in annual fees each year.

Customer satisfaction rankings

You can also look at customer service rankings from different card issuers to determine the quality of customer service you'll receive. Consider the customer service scores below from J.D. Power's 2023 U.S. Credit Card Satisfaction Study , which were assigned by using responses from 31,418 credit card customers from August 2022 through June 2023.

Eligibility by credit score

Note that the majority of credit cards with travel insurance require very good or excellent credit. If you have poor credit or fair credit, you should focus on improving your credit score and financial health before you apply.

Rewards programs

Finally, consider the rewards rates for cards you're looking at and the type of rewards you'll earn. You'll find that credit cards with travel insurance can earn cash back, flexible rewards for travel, airline miles or hotel points.

What does travel insurance from a credit card cover?

Credit cards with travel insurance can offer different protections with their own unique coverage limits and policy limitations. The most common types of travel insurance you can get with a credit card include:

• Trip cancellation coverage : This coverage can reimburse you for prepaid travel expenses when you must cancel a trip for a covered reason like the death of an immediate family member or a sudden illness.
• Trip interruption coverage : Interruption insurance can reimburse you for prepaid travel expenses when a trip must be interrupted for a covered reason, such as falling ill during your vacation.
• T rip delay coverage : This coverage can pay for sudden hotel bills or meals when a trip is delayed by at least six or 12 hours or a delay forces an overnight stay.
• Baggage delay insurance : Baggage delay coverage can pay for clothing, toiletries and other essentials when your bags are delayed by at least six or 12 hours.
• Lost luggage reimbursement : Insurance for lost luggage can reimburse you for your baggage and belongings when your luggage is lost in transit while in the care of a common carrier.
• Rental car coverage : This protection can be primary or secondary to your own insurance, and policy limits apply.
• Medical and dental expense coverage : This protection can pay for emergency medical and dental expenses you incur when traveling away from home.
• Medical evacuation coverage : This type of travel insurance can pay for transportation in a helicopter, an ambulance or a plane when you must be medically transported due to a health emergency.
• Travel accident insurance : This coverage can kick in if you lose your life or are accidentally dismembered during a covered trip.

Pros and cons of credit card travel insurance

Credit card travel insurance comes with its share of benefits that cannot be denied, but there are downsides that come with relying on a credit card for travel insurance protection as well.

Consider these pros and cons:

Pros of credit card travel insurance

• Complimentary coverage : The biggest upside of credit card travel insurance is the fact it's offered for free. You just have to pay for travel with your credit card (or your rewards points in some cases) for coverage to apply.
• Coverage limits can be high : Some credit card insurance protections come with high limits that are enough to cover most trips.
• Can apply to family members : The best coverages apply to the primary cardholder and other companions they're traveling with, including family members.

Cons of credit card travel insurance

• Low coverage limits in some cases : Some cards have relatively low travel insurance limits that may not provide enough protection when you need it most.
• Limited coverages with some cards : Some credit cards with travel insurance only have a few kinds, so they may leave you without important protections you need.
• Minimal protection for emergency medical expenses : Only one credit card offers travel insurance for emergency medical expenses (the card_name ), and this coverage is only worth up to $2,500 when you're traveling more than 100 miles from home.

Do you need additional travel insurance?

Whether you need to buy travel insurance that applies independently of what your credit card offers depends on the type of trip you're taking and how much it costs. If you're driving a few towns away to stay in a hotel, for example, you may be fine with credit card travel insurance. The same is true if you're flying to another state for a relatively inexpensive vacation.

If you're traveling internationally where your own health insurance won't apply, however, you'll likely want to purchase a travel insurance plan that includes robust protection for emergency medical expenses and emergency medical evacuation. Expensive trips may also need travel insurance with higher limits than you can get with credit card coverage.

Frequently asked questions (FAQs)

Do credit card companies sell travel insurance.

Credit card companies do not sell travel insurance, but plenty of reputable travel insurance providers do. If you're ready to compare plans, you can check out companies like Allianz, Travelex and World Nomads.

Is travel insurance worth it for international travel?

Travel insurance is essential for international travel if you want to have coverage for emergency medical expenses and emergency medical evacuation. After all, U.S. health plans do not work overseas, nor do government healthcare programs like Medicare.

Does my Visa card cover travel insurance?

The travel insurance protections you get with a credit card depend on the exact card you have.

How do I know if my credit card covers travel insurance?

Read over your credit card's guide to benefits to find out which protections are already included. You can also call your card issuer to inquire about coverage, but make sure they send you the information in the mail.

For rates and fees of the card_name , please visit URL .

AP Buyline has partnered with CardRatings for our coverage of credit card products. AP Buyline and CardRatings may receive a commission from card issuers.

CREDIT CARDS

Travel insurance in uae, get free travel insurance with citi credit cards.

Your Citibank Credit Card entitles you to Travel Accident Insurance designed to provide you with the convenience, comfort and peace of mind you deserve. Additionally, you are compensated for any travel inconvenience caused due to delayed or missed flights, and delayed and/or lost luggage, provided that your tickets are purchased with your Citibank Credit Card. Click on the card below to get more information about the travel insurance policy applicable on that credit card.

• EMIRATES-CITIBANK CARDS
• REWARDS CARDS
• CASHBACK CARD
• CITI PREMIERMILES

EMIRATES - CITIBANK ULTIMA MASTERCARD

With your Emirates-Citibank Ultima Credit Card enjoy your travels with peace of mind, regardless of where your journey takes you. Don't let unplanned events turn your travel upside down. With complimentary Travel Accident & Medical Insurance be insured against the expenses and inconvenience caused by emergency medical conditions, delayed flights, baggage delays and other unforeseen incidents during your travels.

From anywhere and at any time, enhanced protection options are available to ensure that while you're traveling your needs are met promptly and efficiently, just ensure you have purchased you airline ticket using your Emirates-Citibank Ultima Credit Card.

What's more for visa application purposes, just click here for your Travel Insurance Certificate and for more details.

For details on how to file a claim and to read the full Terms and Conditions, click here .

EMIRATES - CITIBANK ULTIMA VISA

What's more for visa application purposes, call our 24-hour CitiPhone Banking Service on +971 4 311 4653 for your Certificate of Insurance.

For details on how to file a claim and to read the full Terms and Conditions, click  here .

EMIRATES - CITIBANK ULTIMATE (MASTERCARD)

With your Emirates-Citibank Ultimate Credit Card enjoy your travels with peace of mind, regardless of where your journey takes you. Don't let unplanned events turn your travel upside down. With complimentary Travel Accident & Medical Insurance be insured against the expenses and inconvenience caused by emergency medical conditions, delayed flights, baggage delays and other unforeseen incidents during your travels.

From anywhere and at any time, enhanced protection options are available to ensure that while you're traveling your needs are met promptly and efficiently, just ensure you have purchased you airline ticket using your Emirates-Citibank Ultimate Credit Card.

EMIRATES - CITIBANK ULTIMATE (VISA)

What's more for visa application purposes, call our 24-hour CitiPhone Banking Service on +971 4 311 4000 for your Certificate of Insurance.

EMIRATES - CITIBANK WORLD

With your Emirates-Citibank World Credit Card enjoy your travels with peace of mind, regardless of where your journey takes you. Don't let unplanned events turn your travel upside down. With complimentary Travel Accident & Medical Insurance be insured against the expenses and inconvenience caused by emergency medical conditions, delayed flights, baggage delays and other unforeseen incidents during your travels.

From anywhere and at any time, enhanced protection options are available to ensure that while you're traveling your needs are met promptly and efficiently, just ensure you have purchased you airline ticket using your Emirates-Citibank World Credit Card.

CITI PRESTIGE

With your Citi Prestige Credit Card enjoy your travels with peace of mind, regardless of where your journey takes you. Don't let unplanned events turn your travel upside down. With complimentary Travel Accident & Medical Insurance be insured against the expenses and inconvenience caused by emergency medical conditions, delayed flights, baggage delays and other unforeseen incidents during your travels.

From anywhere and at any time, enhanced protection options are available to ensure that while you're traveling your needs are met promptly and efficiently, just ensure you have purchased you airline ticket using your Citi Prestige Credit Card.

CITI PREMIER

With your Citi Premier Credit Card enjoy your travels with peace of mind, regardless of where your journey takes you. Don't let unplanned events turn your travel upside down. With complimentary Travel Accident & Medical Insurance be insured against the expenses and inconvenience caused by emergency medical conditions, delayed flights, baggage delays and other unforeseen incidents during your travels.

From anywhere and at any time, enhanced protection options are available to ensure that while you're traveling your needs are met promptly and efficiently, just ensure you have purchased you airline ticket using your Citi Premier Credit Card.

CITI REWARDS

With your Citi Rewards Credit Card enjoy your travels with peace of mind, regardless of where your journey takes you. Don't let unplanned events turn your travel upside down. With complimentary Travel Accident & Medical Insurance be insured against the expenses and inconvenience caused by emergency medical conditions, delayed flights, baggage delays and other unforeseen incidents during your travels.

From anywhere and at any time, enhanced protection options are available to ensure that while you're traveling your needs are met promptly and efficiently, just ensure you have purchased you airline ticket using your Citi Rewards Credit Card.

CASHBACK CREDIT CARD

With your Citi Cashback Credit Card enjoy your travels with peace of mind, regardless of where your journey takes you. Don't let unplanned events turn your travel upside down. With complimentary Travel Accident & Medical Insurance be insured against the expenses and inconvenience caused by emergency medical conditions, delayed flights, baggage delays and other unforeseen incidents during your travels.

From anywhere and at any time, enhanced protection options are available to ensure that while you're traveling your needs are met promptly and efficiently, just ensure you have purchased you airline ticket using your Citi Cashback Credit Card.

CITI PREMIERMILES ELITE

With your Citi Premiermiles Elite Credit Card enjoy your travels with peace of mind, regardless of where your journey takes you. Don't let unplanned events turn your travel upside down. With complimentary Travel Accident & Medical Insurance be insured against the expenses and inconvenience caused by emergency medical conditions, delayed flights, baggage delays and other unforeseen incidents during your travels.

From anywhere and at any time, enhanced protection options are available to ensure that while you're traveling your needs are met promptly and efficiently, just ensure you have purchased you airline ticket using your Citi Premiermiles Elite Credit Card.

CITI PREMIERMILES SIGNATURE

With your Citi Premiermiles Signature Credit Card enjoy your travels with peace of mind, regardless of where your journey takes you. Don't let unplanned events turn your travel upside down. With complimentary Travel Accident & Medical Insurance be insured against the expenses and inconvenience caused by emergency medical conditions, delayed flights, baggage delays and other unforeseen incidents during your travels.

From anywhere and at any time, enhanced protection options are available to ensure that while you're traveling your needs are met promptly and efficiently, just ensure you have purchased you airline ticket using your Citi Premiermiles Signature Credit Card.

CITI LIFE WORLD ELITE

With your Citi Life World Elite Credit Card enjoy your travels with peace of mind, regardless of where your journey takes you. Don't let unplanned events turn your travel upside down. With complimentary Travel Accident & Medical Insurance be insured against the expenses and inconvenience caused by emergency medical conditions, delayed flights, baggage delays and other unforeseen incidents during your travels.

From anywhere and at any time, enhanced protection options are available to ensure that while you're traveling your needs are met promptly and efficiently, just ensure you have purchased you airline ticket using your Citi Life World Elite Credit Card.

For details on how to file a claim and to read the full Terms and conditions, click here.

CITI LIFE INFINITE

With your Citi Life Infinite Credit Card enjoy your travels with peace of mind, regardless of where your journey takes you. Don't let unplanned events turn your travel upside down. With complimentary Travel Accident & Medical Insurance be insured against the expenses and inconvenience caused by emergency medical conditions, delayed flights, baggage delays and other unforeseen incidents during your travels.

From anywhere and at any time, enhanced protection options are available to ensure that while you're traveling your needs are met promptly and efficiently, just ensure you have purchased you airline ticket using your Citi Life Infinite Credit Card.

TERMS AND CONDITIONS

• This offer is applicable only for customers who submit a lead through the online cashback campaign, successfully get approved for a credit card and meet the minimum retail spend requirements listed below. • The offer is available from November 19th, 2017 until June 30 th , 2018. • Customers who get successfully approved for a credit card and meet the minimum retail spend requirement will get the cashback credited into their card account directly as statement credit. • The offer is applicable for all credit cards being offered during the promotion period. • Existing Citi credit card customers and Citibank´s staff are not eligible for this offer. • Customers who have cancelled a Citi credit card within the last 48 months are not eligible for this offer. • Citibank reserves the right, at its absolute discretion, to vary, delete, add or suspend the above offer without prior notice. • This offer will not be available in conjunction with any other sign up offers/promotions • All Credit Cards are approved at the sole discretion of Citibank, N.A UAE (Citibank N.A.). Approval for a credit card is subject to receipt of complete documentation (in original), required information to the satisfaction of the bank and successful verification • Citibank Terms and Conditions apply. They are subject to change and are available upon request. For the current Terms and Conditions please visit www.citibank.ae • The customer has to read and acknowledge all the Terms & Conditions listed on the registration page before applying • All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partner(s)/ other entity(ies). • In no event shall Citibank, any of its affiliates, or any of their officers, directors, employees or agents be liable for any loss, damage or expense arising out of or otherwise related to this offer. • By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/ mobile number. • Citibank reserves the right to, without liability or prejudice to any of its other rights, at any time, without previous notice and from time to time, withdraw/suspend/amend/cancel this offer, with or without any reason • Citibank reserves the right, at its absolute discretion, to vary, delete or add to any of these terms and conditions from time to time, without prior notice. • The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. • Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. Minimum retail spend requirement • For the new customers approved under this program, the cashback will be awarded upon meeting minimum retail spend requirement on the card within 90 days after the card has been approved. • To be eligible for the offer, minimum spends requirements needs to be fulfilled as per card type within 3 months:   • EK Ultima: AED 25,000   • EK Ultimate: AED 20,000   • EK World: AED 10,000   • Prestige: AED 20,000   • Premier: AED 20,000   • Rewards: AED 10,000   • Cashback: AED 9,000   • Simplicity: AED 5,000 • Cash Withdrawal, payment of AMF, financial charges and bank fees will not be considered as part of the spend criteria specified above. Only retail spend related transactions will be eligible for being considered as eligible spend for this campaign. • The customer is not eligible to receive the offer even if they meet the spend criteria but fail to make any minimum payments due against their Card during the 90 days period. • Customers shall not be on any payment block to avail the above Offer at the time of offer fulfillment. • The cashback will be awarded within 30 business days after the 90 day period as a statement credit if the customer is eligible under the above mentioned conditions.

The 6 best credit cards with the highest credit limits

T here's a bit of mystery to credit card limits. Though it is generally based on the financial information you provide, a credit limit on a new card can be based on the card itself or the specific issuer. What's even more confusing is that a limit can change over time.

Issuers typically do not divulge the range of credit limits they extend to customers. However, generally speaking, if you want to apply for a card with a high credit limit, your best bets will be premium rewards cards and business credit cards . They may be able to offer outsize credit lines based on your or your company's spending needs.

A good rule of thumb is that any card with lots of benefits or substantial minimum spending requirements will likely come with a potentially high credit limit.

You can also look at cards with Visa Infinite or Mastercard World Elite branding or cards with no preset spending limits .

As always, check out our best credit cards and best rewards credit cards for more information. In the meantime, here's what else you need to know about the best credit cards with the highest limits.

The best credit cards with high credit limits

• Chase Sapphire Preferred® Card
• Chase Sapphire Reserve®

Capital One Venture Rewards Credit Card

Capital one venture x rewards credit card, delta skymiles® gold american express card.

• Citi Prestige® Card (not available to new applicants)

The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Chase Sapphire Preferred Card

Highest reported credit limit: $500,000, according to Quora (although a $50,000 limit seems more likely). As a Visa Signature card, the minimum credit limit this card should offer is reportedly $5,000.

Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

Rewards: Earn 5 points per dollar on travel when booked through the Chase Ultimate Rewards portal (and 2 points per dollar on travel booked outside the portal) and 3 points per dollar on dining , select streaming services and online grocery purchases (excluding Walmart and Target). You'll earn 1 point per dollar on all other purchases.

Benefits: The Chase Sapphire Preferred Card comes loaded with travel perks, including an annual $50 hotel credit (to be used through the Chase travel portal ), primary car rental insurance , trip delay insurance , trip cancellation and interruption insurance and baggage delay insurance.

Annual fee: $95

Apply here: Chase Sapphire Preferred Card

Chase Sapphire Reserve

Highest reported credit limit: $80,000, according to a post on the myFICO forums . As a Visa Infinite, this card's credit limit should reportedly be $10,000 at a minimum.

Sign-up bonus: Earn 60,000 Ultimate Rewards points after you spend $4,000 on purchases in the first three months of account opening.

Rewards: Earn 10 points per dollar on Chase Dining booked through Ultimate Rewards, 10 points per dollar on hotel and car rental bookings through the Chase Travel℠ , 5 points per dollar on airline travel booked through the Chase Travel℠, 3 Ultimate Rewards points per dollar on travel (after the $300 travel credit is exhausted) and dining, and 1 point per dollar on everything else. You'll also earn 10 points per dollar on Lyft rides through March 2025.

Benefits: The travel benefits are top-notch, including a $300 annual travel statement credit , Priority Pass lounge access and reimbursement for the Global Entry or TSA PreCheck application fee . Enrollment is required for select benefits.

Annual fee: $550

Apply here: Chase Sapphire Reserve

Highest reported credit limit: $58,000, according to a member on the myFICO forums . This is another Visa Signature card, so the minimum credit limit is reportedly $5,000.

Sign-up bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.

Rewards: Earn 2 miles per dollar on every purchase.

Benefits: Visa Signature travel benefits include travel accident insurance*, lost luggage reimbursement* and secondary auto rental coverage*. You'll also get Warranty Manager Service *and purchase security **, which replaces, repairs or reimburses you for purchases in the event of theft or damage within 90 days of the purchase date, up to $500 per claim and $50,000 per cardholder.

*For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

**Benefits are only available to accounts approved for the Visa Signature card. Terms apply.

Apply here: Capital One Venture Rewards Credit Card

Highest reported credit limit: Several TPG staffers have reported receiving credit limits of $30,000 with their new cards. The minimum credit limit should be around $10,000 since it's a Visa Infinite.

Rewards: Earn 10 miles per dollar on hotels and car rentals booked via Capital One Travel , 5 miles per dollar on flights booked via Capital One Travel, and 2 miles per dollar on everything else.

Benefits: The card gives members up to $300 credits annually for travel bookings made through Capital One's portal and 10,000 bonus miles each cardmember anniversary (worth $100 toward travel, or $185 by our valuations ). It also includes complimentary access for cardholders and up to two guests per visit to Capital One lounges and more than 1,300 Priority Pass lounges worldwide. Cardholders are eligible for up to $100 in statement credits for either a TSA PreCheck or Global Entry application . The card also includes purchase and travel protections.

Annual fee: $395

Apply here: Capital One Venture X Rewards Credit Card

Highest reported credit limit: $50,000, according to a post on the myFICO forums .

Welcome offer: Earn 70,000 bonus miles after you spend $3,000 in purchases on your new card in your first six months of card membership.

Rewards: Earn 2 miles per dollar on Delta purchases and at restaurants and U.S. supermarkets, and 1 mile per dollar on other eligible purchases.

Benefits: Enjoy priority boarding, a first free bag checked on Delta flights, no foreign transaction fees (see rates and fees ) and 20% savings on inflight purchases. You'll also get a $200 Delta flight credit after you spend $10,000 in a calendar year.

Annual fee: $0 introductory annual fee for the first year, then $150 (see rates and fees )

Apply here: Delta SkyMiles Gold Amex Card

Citi Prestige® Card

Highest reported credit limit: $92,000, according to a post on the myFICO forums .

Sign-up bonus: This card is currently unavailable to new applicants.

Rewards: Earn 5 points per dollar on dining at restaurants and on air travel, 3 points per dollar at hotels and cruise lines and 1 point per dollar everywhere else.

Benefits: The most lucrative of the many perks this card offers is its fourth-night-free benefit. Citi will give you the fourth night of your stay gratis at virtually any hotel when booking through the Citi ThankYou portal (up to twice per year).

The rate is based on your average night stay and doesn't include taxes and fees. You'll also receive an annual $250 travel credit , an up to $100 Global Entry credit and Priority Pass lounge access . Enrollment is required for select benefits.

Annual fee: $495.

Read our full review of the Citi Prestige .

What is a high credit limit?

Your definition of a high credit limit may vary. If you're just starting with credit , a few hundred to a few thousand dollars may seem like a huge credit line. More experienced users would define a high credit limit as exceeding tens of thousands of dollars.

Let's examine average credit limits. The Consumer Financial Protection Bureau reported average credit lines per account broken down by FICO score range. Here's what the agency found:

Any credit line higher than $10,000 is considered above average for consumers with the best credit scores. Again, whether $10,000 is a high limit really depends on your financial situation and needs.

How to get a high credit limit

How issuers determine credit limits is proprietary, although some offer guidance.

American Express says it considers "the customer's overall level of debt relative to their financial resources known to us. Also, we look at a variety of factors that comprise a customer's overall credit profile, which includes, among other things, your credit bureau reports and scores at the time you apply, payment history (if any) with American Express, reported income and usage habits (if known)."

Discover says your credit score is important, but "a high score alone does not necessarily guarantee a certain credit limit or even card approval."

Issuers will also examine your income, monthly expenses, payment history and credit utilization . Even your age and location can be factors for issuers.

Why you might want a high credit limit

There are two main reasons to seek a credit card with a high limit: if you put as many of your monthly expenses on a credit card as you can (which you should — responsibly, of course — so you can earn the rewards) and you have many expenses that you can pay off each month, you should consider a high-limit card.

Second — and this actually works in tandem with the first reason — getting a high-limit card could help your credit score. Credit utilization, one of the elements mentioned above that influences issuers' decisions on how large your credit line will be, is a huge factor in your credit score.

The less credit you use as a percentage of the overall line of credit available to you, the lower your utilization. If you qualify for a big credit line and use only a small portion of it each month, your score can be boosted over time.

Related: Here's how to reallocate credit lines between your cards

Bottom line

If you have a solid credit score and can demonstrate a steady income, you might have a good shot at earning an above-average credit limit on your next credit card — especially if you're willing to pay a sizable annual fee on more premium credit cards.

You might not be able to get a good feel for what your specific credit limit will be before you apply — but even if your initial credit line on a new card is not high enough for your needs, you may be able to get a credit limit increase over time by using your credit responsibly.

It may also be possible to go over your credit limit, but that usually has negative consequences, so it's best avoided.

For rates and fees of the Delta SkyMiles Gold American Express Card, click here .

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Coronavirus
• Climate Change
• Vertical Storytelling
• Corrections Policy
• College Football
• High School Sports
• H.S. Sports Awards
• Sports Betting
• College Basketball (M)
• College Basketball (W)
• For The Win
• Sports Pulse
• Weekly Pulse
• Buy Tickets
• Sports Seriously
• Sports+ States
• Celebrities
• Entertainment This!
• Celebrity Deaths
• American Influencer Awards
• Women of the Century
• Problem Solved
• Personal Finance
• Small Business
• Consumer Recalls
• Video Games
• Product Reviews
• Destinations
• Airline News
• Experience America
• Today's Debate
• Suzette Hackney
• Policing the USA
• Meet the Editorial Board
• How to Submit Content
• Hidden Common Ground
• Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Credit Cards

How to use the Citi trifecta to maximize your rewards

Allie Johnson

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Updated 11:04 a.m. UTC April 1, 2024

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

marchmeena29, Getty Images

Citi is a Blueprint partner.

Good things come in threes: movie trilogies, the Triple Crown, three wishes from a genie — and this maxim even applies to credit card rewards. You can combine the best of three cards from the same issuer to maximize your earnings and amass rewards at a faster rate. Such is the case with the Citi trifecta.

The Citi trifecta involves using three Citi credit cards — but not just any three cards. By using cards with complementary earning structures and benefits, you can maximize your earnings while paying less than $100 total in annual fees. With this strategy, you’ll earn at least 2% cash back on all purchases and get access to the full range of redemption options from Citi.

Here’s how the Citi trifecta works, and why it may be your best strategy for earning lots of cash back or Citi ThankYou® Points at a quick pace.

What is the Citi trifecta?

The Citi trifecta involves three Citi credit cards — the Citi Premier® Card * The information for the Citi Premier® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , the Citi Custom Cash® Card and the Citi Double Cash® Card — all working together as a team. With these three cards in your wallet, you can use the right one for each purchase to maximize your earnings and enjoy the broadest range of Citi’s credit card benefits. Even better, you can pool all your earnings in the form of ThankYou Points and access all Citi options for the best redemption value.

our partner

Blueprint receives compensation from our partners for featured offers, which impacts how and where the placement is displayed.

Citi Double Cash® Card

Welcome Bonus

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

• No annual fees.
• Introductory APR period on balance transfers.
• Excellent cash-back rewards.
• Charges foreign transaction fees.
• There’s a balance transfer fee.
• Few additional benefits.

Card Details

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

How does the Citi trifecta work?

The Citi trifecta works by combining the best elements of each card: the adapting nature of the Citi Custom Cash, the everyday earning power of the Citi Double Cash and the premium perks of the Citi Premier Card. These include access to a litany of points transfer partners, solid categories for triple points and additional cardholder protections.

Let’s look at each card in turn to see what it brings to the trifecta. 

Citi Double Cash

This is the easiest card of the bunch to understand. It has no annual fee, and you’ll earn 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus, for a limited time, 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. Even though it’s marketed as a cash-back card, you’ll actually earn ThankYou Points; you can redeem these as cash back or gift cards at 1 cent each, book travel in Citi’s portal or access three transfer partners: Choice Privileges, JetBlue TrueBlue or Wyndham Rewards. However, these transfers happen at poorer rates than with the Citi Premier, which is why that card can unlock more options.

Citi Custom Cash

With the Citi Custom Cash, you’ll also pay no annual fee and will earn 5% cash back on purchases in a top eligible spend category each billing cycle, up to the first $500 spent each month and 1% cash back on all other purchases. 

Eligible bonus categories you’ll want to consider for this card include select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment. There are other categories, but you should focus your spending for this card on categories not covered by the Citi Premier to ensure maximum earnings. And like the Double Cash, this card actually earns ThankYou Points.

Citi Premier

The Citi Premier is the only card in the trifecta with an annual fee, which is $95. It’s also the only one that doesn’t charge foreign transaction fees, so this is the card to use for all purchases outside the U.S. With the Citi Premier, you’ll earn 3 ThankYou® points per $1 at restaurants, supermarkets, gas stations, air travel and hotels and 1 point per $1 on all other purchases. Plus, through June 30, 2024, earn 10 ThankYou points per $1 spent on hotels, car rentals and attractions booked on the Citi Travel portal.

Intrigued by the high points potential on bookings made with Citi? Here’s everything you need to know about Citi’s ThankYou portal .

The Citi Premier also offers many other perks. You’ll get $100 off a single hotel booking of $500 or more (excluding taxes and fees) once per calendar year through thankyou.com, plus two valuable safeguards: extended warranty and purchase protection.

Lastly, there are the redemption benefits. The Citi Premier Card will provide access to all 19 of Citi’s transfer partners. Moreover, you get a 1-to-1 transfer ratio for most programs — better than the 10-to-8 ratio available with the Double Cash’s three partners.

How to maximize your rewards with the Citi trifecta

To maximize your rewards, use the Citi Premier for all international spending and also use it to buy expensive items that may need extended warranty or purchase protection coverage.

Beyond these considerations, use each card as follows:

• Citi Premier: Air travel, hotels, Citi Travel bookings, restaurants, gas stations and supermarkets.
• Citi Custom Cash: The category you’ll spend the most in during that billing cycle, out of these options: select transit, select streaming services, drugstores, home improvement stores, fitness clubs or live entertainment. 
• Citi Double Cash: All remaining purchases that won’t qualify for the elevated rewards rates on the other cards.

Employing this strategy, you’ll earn a minimum of 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus, for a limited time, 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24, thanks to the Double Cash. With the Citi Premier, you’ll earn 3 ThankYou® points per $1 at restaurants, supermarkets, gas stations, air travel and hotels and 1 point per $1 on all other purchases. Plus, through June 30, 2024, earn 10 ThankYou points per $1 spent on hotels, car rentals and attractions booked on the Citi Travel portal. Lastly, you’ll earn 5% cash back on purchases in a top eligible spend category each billing cycle, up to the first $500 spent each month and 1% cash back on all other purchases with the Citi Custom Cash.

And you can connect all of these accounts to pool your earnings for potentially better redemption value than just the 1 cent per point that you’d get with statement credits or gift cards. That’s because, by combining your points, you can access all travel partners and their boosted redemption potential. 

Ready to add a new Citi card to your wallet? Read our guide on how to pre-qualify for a Citi credit card .

What are the benefits of having multiple Citi cards?

There can be downsides to the Citi trifecta, which we shouldn’t overlook. Balancing multiple credit cards requires more organization and effort than just having one card that earns a decent rate, such as the Double Cash Card. Additionally, applying for multiple credit cards leads to multiple hard inquiries on your credit report, which can have a slight negative effect on your credit for about a year. Lastly, having more credit cards can lead to increased capacity to overspend if you have the tendency to do so.

However, there are benefits for those who use credit responsibly. We’ve already highlighted the increased rewards earning capacity, and you also can gain welcome bonuses on all three cards. Lastly, having more cards can actually help your credit in the long run, assuming you pay your bills in full and on time. That’s because you will have more available credit and more accounts reflecting positive behavior on your credit report. This can lower your utilization rate and boost your credit score .

How many credit cards should I have? Consider these elements to help you decide.

Citi trifecta vs. Amex trifecta vs. Chase trifecta: Is one better than the other?

It’s possible to employ the trifecta strategy with American Express and Chase as well. Here’s an overview of how you could earn with these other rewards programs.

The Amex trifecta

With the Amex trifecta , you’ll use these three cards: The Platinum Card® from American Express (terms apply, rates & fees , $695 annual fee), the American Express® Gold Card (terms apply, rates & fees , $250 annual fee) and The Blue Business® Plus Credit Card from American Express * The information for the The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply, $0 annual fee). You’ll pay far more in annual fees with this strategy than the Citi trifecta, however: a total of $945 versus $95. You’ll also need to qualify for a small business card.

All information about The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint.

With the Amex trifecta, you can earn Membership Rewards® points as follows:

• Use the Amex Platinum Card to earn 5 Membership Rewards® points per $1 for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per $1 on prepaid hotels booked with American Express Travel and 1 point per $1 on other purchases.
• Use the Amex Gold Card to earn 4 Membership Rewards points per $1 at restaurants, plus takeout and delivery in the U.S., 4 points per $1 at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point), 3 points per $1 on flights booked directly with airlines or through American Express travel and 1 point per $1 on other eligible purchases.
• Use the Blue Business Plus to earn 2 Membership Rewards points per $1 on everyday business purchases up to the first $50,000 spent per year, then 1 point per $1 on all other purchases. 

You’ll notice that all of these elevated earning rates have annual maximums. Thus, the Amex trifecta won’t work for everyone.

While Amex has more transfer partners than Citi, opening more options for your points redemptions, and there are hundreds of dollars in annual statement credits available on these cards, you’ll spend a lot more in annual fees with this strategy.

The Chase trifecta

It’s also possible to employ a trifecta of Chase credit cards, and there are even two variations of the Chase trifecta. You’ll use the Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , Chase Freedom Unlimited® and either the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® .

• Use the no-annual-fee Freedom Unlimited for all purchases that don’t fall into bonus categories on the other cards, earning 5% cash back on travel purchased through Chase Travel, 3% cash back on eligible dining and drugstore purchases and 1.5% cash back on all other purchases. 
• Use the Freedom Flex, to earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases. The rotating categories can include merchants like wholesale clubs, Amazon, gas stations, PayPal and more.
• If you choose the Sapphire Preferred, you’ll pay a $95 annual fee and earn 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.
• If you choose the Sapphire Reserve, you’ll get a $300 annual travel credit and lounge access to justify the $550 annual fee, plus increased earning rates of 5 points per $1 on flights and 10 points per $1 on hotels and car rentals purchased through Chase Travel℠ after the first $300 is spent on travel purchases annually. Earn 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.

Like Citi, your cash back and Ultimate Rewards® points can be combined to access Chase’s list of transfer partners through the Sapphire cards, and you’ll pay either $550 or $95, depending on which Sapphire card you choose.

Which of these trifectas best — Amex, Chase or Citi? That depends on which option best matches your spending habits, tolerance for annual fees, benefits you want along the way and redemption partners that work with your travel goals. And it’s not uncommon to find points-and-miles fans who have all three of these trifectas in their wallet — this author included.

How to choose the best Citi credit cards

Citi offers more credit cards than just those mentioned in the Citi trifecta. These three are the most complementary for earning extra rewards, but they aren’t your only choices.

Citi credit cards include options with 0% introductory APR offers on purchases and balance transfers, and Citi even issues the Costco Anywhere Visa® Card by Citi * The information for the Costco Anywhere Visa® Card by Citi has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .

Another solid option is the Citi Rewards+® Card * The information for the Citi Rewards+® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which automatically rounds up every purchase to the nearest 10 points and also awards 10% of your redeemed points back each year — up to the first 100,000 points redeemed per year. Citi also issues co-branded credit cards for American Airlines . These cards earn AAdvantage miles and include cards offering no annual fee, a modest annual fee for modest perks or a high annual fee with a lounge membership included.

The key to choosing the best Citi credit card is to compare the perks offered by the cards and look at how those stack up against the annual fee to see if it’s worth it. You also should evaluate the rewards earning rates: look at which card will provide extra rewards where you tend to spend the most, whether that’s restaurants, supermarkets, streaming or something else.

Frequently asked questions (FAQs)

Card trifectas are worth it if you can manage them responsibly, understand how the cards work together and manage juggling multiple credit cards. It’s also worth it if you can get more out of the cards than the annual fees you’re paying and can remember which card to use for which purchase. However, if you aren’t using the cards’ benefits and often use the wrong card, you might fare better with a simpler rewards strategy.

If you’re new to credit or new to Citi credit cards, you may lack the credit history or banking relationship Citi wants before approving you for its more premium credit cards. For most people, the right card to start with is the Citi Double Cash. This way, you’re earning 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus, for a limited time, 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24, while biding time until you apply for your next Citi card.

A trifecta credit cards strategy is best for someone who wants to accelerate their earnings by using multiple credit cards to maximize rewards on every purchase. It may work well for you if you’re organized enough to juggle cards, will remember which card to use at which merchant and have the ability to track your spending and bills across cards to avoid harm to your credit.

For rates and fees for The Platinum Card® from American Express please visit this page .

For rates and fees for the American Express® Gold Card please visit this page .

*The information for the Chase Freedom Flex℠, Citi Premier® Card, Citi Rewards+® Card, Costco Anywhere Visa® Card by Citi and The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Ryan grew up in Ohio but has lived in half a dozen states and multiple continents before recently returning to the U.S. and settling in southern California. After someone at his hostel in China said, “I flew here for free using points,” Ryan was hooked. In December of 2023, he completed his goal of visiting every country in the world. Ryan has been around points and miles for several years and has published content at Miles to Memories, AwardWallet, The Points Guy and Forbes Advisor. He also holds Brazilian citizenship and speaks fluent Portuguese. His wife joins him on many of his trips, and they enjoy snowboarding, scuba diving, seeing animals in the wild and hunting for vegan tiramisu. When not traveling, Ryan is probably answering questions from his family about how he travels so much and whether this points and miles stuff is illegal.

Allie is a journalist with a passion for money tips and advice. She's been writing about personal finance since the Great Recession for online publications such as Bankrate, CreditCards.com, MyWalletJoy and ValuePenguin. She's also written personal finance content for Discover, First Horizon Bank, The Hartford, Travelers and Synovus.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

American Express Business Platinum benefits guide 2024

Credit Cards Chris Dong

Why I applied for the new Wells Fargo Autograph Journey℠ Visa® Card

Credit Cards Jason Steele

Which Citi balance transfer card should I get?

Credit Cards Julie Sherrier

5 reasons why the Citi Diamond Preferred is great for paying down debt

Credit Cards Michelle Lambright Black

Welcome offer on Chase’s IHG One Rewards Premier Business card soars to 175K points

Credit Cards Carissa Rawson

You might be a small business owner and not even know it

Chase Freedom Flex benefits guide 2024

6 ways to maximize the Citi Double Cash Card

Credit Cards Ben Luthi

Hilton Honors American Express business card unveils new profile, plumps up annual fee

Why my Citi Double Cash Card keeps getting better

Credit Cards Lee Huffman

Is the Citi Premier worth the annual fee?

Credit Cards Juan Ruiz

6 little known perks of the Citi Custom Cash Card

Credit Cards Harrison Pierce

Is the Chase Sapphire Preferred Worth it?

Credit Cards Tamara Aydinyan

Why I got the Citi Custom Cash Card this year instead of another travel rewards card

Credit Cards Kevin Payne

Breeze Airways releases new Breeze Easy credit card with lofty rewards, up to 10 points per $1

Credit Cards Stella Shon

• Reward types, points & expiry
• What card do I use for…
• Current Credit Card Sign Up Bonuses
• Credit Card Lounge Benefits
• Credit Card Airport Limo Benefits
• Credit Card Reviews
• Points Transfer Partners
• Singapore Airlines First & Business Class Seat Guide
• Singapore Airlines Book The Cook Wiki
• Singapore Airlines Wi-Fi guide
• The Milelion’s KrisFlyer Guide
• What is the value of a mile?
• Best Rate Guarantees (BRGs) for beginners
• Singapore Staycation Guide
• Trip Report Index
• Credit Cards
• For Great Justice
• General Travel
• Other Loyalty Programs
• Trip Reports

Extended: Earn 4 mpd on travel insurance policies with SingSaver

From now till 2 May 2024, buy travel insurance policies with AIG, Etiqa, FWD, MSIG, Singlife and more through SingSaver and earn 4 mpd.

Last month, SingSaver ran a campaign which offered 4 miles per dollar on travel insurance purchases, as well as a 100,000 KrisFlyer miles giveaway.

The giveaway has since closed to entries, but the 4 mpd has been renewed for a further month, with a different list of participating policies this time round. 

If you’re thinking of buying a single trip or annual plan, this is a great opportunity to pick up some bonus miles in the process, since almost all banks now exclude rewards for insurance.

Earn 4 mpd on travel insurance purchases

From 1 April 2024, 2024, 9 a.m to 2 May 2024, 8.59 a.m, purchases of selected travel insurance products via SingSaver will earn a total of 4 KrisFlyer miles per S$1.

The following products are participating:

• AIG Insurance (Single Trip & Annual Trip)
• Allianz Travel Hero (Single Trip & Annual Trip)
• Etiqa Insurance (Single Trip & Annual Trip)
• FWD Insurance (Single Trip & Annual Trip)
• Great Eastern Travel Smart (Single Trip & Annual Trip)
• MSIG Insurance (Single Trip & Annual Trip)
• Singlife Insurance (Single Trip & Annual Trip)
• Starr Insurance Singapore (Single Trip & Annual Trip)

All premiums will be rounded down to the nearest S$1 before miles are awarded; for example a S$200.80 policy will earn 800 miles. 

KrisFlyer miles earned under this offer will be deposited directly to your KrisFlyer account by 30 June 2024.

Terms & Conditions

The T&Cs for this campaign are split into two sets, but they both apply concurrently (i.e. each set of T&Cs mentions an earn rate of 2 mpd for a total of 4 mpd).

What credit card should you use to pay?

Unfortunately, the vast majority of credit cards now exclude rewards for insurance purchases. What few remain offer mediocre earn rates ranging from 0.24 to 1.2 mpd. 

If you’re a Citi cardholder, however, you could use insurance premiums to help you meet the minimum spend for welcome offers or card benefits (e.g. limo rides with the Citi Prestige ). Even though these transactions don’t earn any points, Citi has confirmed they will still count towards the minimum spend.

From now till 2 May 2024, SingSaver is offering 4 mpd on travel insurance purchases, so be sure to browse the selection and see what works for you. My preferred option is Singlife because they cover the loss of miles and points, and have a “cancel for any reason” clause that you can invoke a maximum of once per policy/policy year.

There really aren’t a lot of options left for earning miles on insurance, so this is a rare opportunity.

• credit cards
• travel insurance

Similar Articles

Review: uob lady’s card & uob lady’s solitaire card, hsbc travel one card extends free conversions till 31 january 2025.

CREDIT CARD SIGN UP BONUSES

Featured Deals

© Copyright 2024 The Milelion All Rights Reserved | Web Design by Enchant.sg