Card Comparison
Citi Prestige vs Citi Thank You
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$495/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
75,000 points
Spend $5,000 in 3 months
None
Top Earn Rates
- Flights 5x
- Restaurants 5x
- Hotels 3x
- Gas Stations 5x
- All Other Purchases 1x
Reward Type
miles
miles
Key Credits
- Travel Credit $250
None
Card Perks
- Priority Pass Select (~$429/yr)
- American Airlines Admirals Club Access (~$650/yr)
- TSA PreCheck / Global Entry Credit (~$25/yr)
None listed
Transfer Partners
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
Common Questions: Citi Prestige vs Citi Thank You
Is the Citi Prestige or Citi Thank You better for dining?
Citi Prestige earns 5x on dining; Citi Thank You has no dining bonus.
Which has the higher signup bonus in 2026?
Citi Prestige currently offers 75,000 pts signup bonus (spend $5,000 in 3 months). Citi Thank You offers no current bonus. Citi Prestige has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Citi Prestige and the Citi Thank You?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Citi, so check their specific application rules.