MORE Changes Coming to Citi Prestige – And It’s the Last Straw for Me

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MORE Changes Coming to Citi Prestige – And It’s the Last Straw for Me

Joseph HostetlerMORE Changes Coming to Citi Prestige – And It’s the Last Straw for MeMillion Mile Secrets Team

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The Citi Prestige has been losing its luster for me over the past year.

The card is NOT currently open for new applicants, but it’s returning soon.  I stayed positive when Citi announced its latest changes to the Citi Prestige last month.  The card will soon earn 5X points per $1 for travel and dining, receive an improved $250 travel credit, and offer valuable cell phone insurance.

But when I step back and look at the past few years I’ve had the card, the incremental changes have resulted in something I can no longer accept.

The Citi Prestige Used to Make Flying American Airlines VERY Enticing

And it’s enough to make me cancel my card.

What Was Once My Favorite Card Is No Longer

When the Citi Prestige was introduced, it was by far my favorite card.  But Citi continues to strip benefits to the point that it’s unrecognizable:

  • The Citi Prestige once had American Airlines Admirals Club lounge access.  They eliminated that benefit.
  • The Citi Prestige once came with trip delay insurance that kicked in after just a 3+ hour delay.  They changed that to 6+ hours (still good, but no longer the best).
  • The Citi Prestige once earned points that you could redeem for 1.6 cents each on American Airlines, and 1.33 cents per point for all other airlines.  Then they eliminated special redemption rate on American Airlines.  Then they reduced the 1.33 cent per point redemption rate to 1.25 cents.  Now they’re reducing it to 1 cent.
  • The Citi Prestige once came with a benefit allowing you to receive your 4th night free at just about any hotel, including taxes.  Then they decided they would NOT reimburse taxes.  Now they’re capping the amount of free 4th nights from unlimited to twice per year.

But now there are more details about the upcoming changes, and they’re not good.

1.   4th Night Free Can Only Be Booked Through the Citi ThankYou Portal

This is unacceptable to me.  Here’s why.

Previously, you were able to call or email the Citi concierge to request a 4th night free on your stay.  The concierge would then book a room for you directly through the hotel website.  As far as the hotel was concerned, you made a direct booking through them.

Beginning September 1, 2019, you’ll be required to book through the Citi ThankYou portal to get the 4th night free.  And because the Citi ThankYou portal is a 3rd party booking service, you will NOT earn elite night credits, you will NOT earn points for your stay, and your elite status will NOT be recognized.  You also can’t use hotel promotions in tandem with the 4th night free.

2.   Annual Fee Increasing for More of Us Than We Thought

When Citi announced this latest wave of changes, we learned that the $450 annual fee would increase to $495.  However, the understanding was that folks with a Citi Priority account would only pay a $350 annual fee for the Citi Prestige card.

That won’t be the case after all.  Only Citi customers with a Citigold or Citi Private Banking account will continue to pay an annual fee of $350 for the Citi Prestige.

3.   Increased Authorized User Fees

To add an authorized user on the Citi Prestige currently costs $50.  But once these changes take place (your cardmember anniversary after September 1, 2019), you’ll pay $75 per authorized user.

Is This Card Worth the Fee Any Longer?

Not for me.  The Citi Premier℠ Card, once light years behind the Citi Prestige, may very well be the better option for most folks now.

As Harlan pointed out, the new earning rates are pretty great.  And that might be enough for several of you to keep the card.  If you spend a TON on travel and dining, the Citi Prestige could make sense for you.

Jasmin plans to keep the card because of its generous Priority Pass lounge access, which allows you to bring 2 guests OR immediate family.  Other cards that come with Priority Pass only allow for 2 guests.  So Jasmin can bring her family of 4 into a lounge for free with the Citi Prestige.

You can’t do that if you have cards like the Chase Sapphire Reserve or The Business Platinum® Card from American Express!

The best Priority Pass membership you can buy costs $429, and still charges $32 per guest.  So if you travel with family, this benefit alone can be worth far more than the annual fee!

As for me, I’m through romanticizing a card I fell in love with years ago.  It’s a totally different organism.  I can find better ways to spend $495.

Do you plan to apply for this card when it relaunches shortly?  And for folks who have the Citi Prestige, will you keep or cancel your card after these changes take place on September 1, 2019?

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Citi Premier Card

Citi Premier Card

  • Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • 50,000 Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases*

More Info

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I presume if I made refundable 4 night stays through August 31. 2019 for 2020, and then cancelled th card in September 2019, I wouldn’t get the rebate credit to if my card is closed?

My wife and I both hold Prestige and I have the Amex Business Platinum. 3 huge annual fees year after year is way too much. We will keep the Amex and cut the 2 Prestige cards. I used to rationalize that the $250 travel credit we used to buy Southwest ticket was worth $500 in Southwest travel because we use our SW companion pass monthly. But we have enough SW points & Ultimate Reward points to no longer worry about buying tickets to get a refund to justify another almost $500 annual fee.

I think you’re being a bit dramatic. I’ve never had this card before and now I’m interested because it will be my airfare and dining card, taking away air from Amex Plat and dining from CSR. All other travel will remain on CSR and unbonus with Blue Biz Plus. Premier may get cut because it’s not worth the annual just for gas. Only unbonus will be groceries, which isn’t a crippler.

Not planning on keeping after 2019 – the 4th night free online only will make it dead to me. I need to find accommodations for six people. No way the pitiful list of choices will work. I tried that route. Also, the listed price of said choices is WAY higher than other prices. The option to submit the best price/deal/offer is part of what made this valuable. I would be surprised if there’s no considerable hue and cry over this.

I’ve gotten a bit tired of the high fees on some of these cards. I’ve been concerned about trying to cancel some of them because of the effect on my credit as some of them have extremely high credit limits and my score will take a good hit by closing them. I have the Citi Executive and Prestige and plan on closing Executive but I might need to re-evaluate to see which is better. Not sure which has better travel ins protection? For a long time I haven’t been able to travel and plan on getting out in the next few years to use all my points/miles and want the protection.

Also, do you need more than one Priority Pass card? I’ve got it through Amex Biz, SPG Lux, CSR & Citi Prestige. Does one offer better service? Options?