Citi Prestige 信用卡【2021.7 更新：可能绝版了】

【2021.7 更新】根据 Bloomberg 消息，这张卡可能永久绝版了。大概意思是真正高端用户太少，都是撸羊毛的。

【2021.7 更新】这张卡在官网已经下架，申请链接无法访问。根据 DOC 和客服联系的消息，这张卡已经在 7 月 1 日停止申请，也无法转卡到这张卡，老用户还能继续使用。我估计是回炉重造了，希望能出点有意义的福利吧。

From time to time, Citi re-evaluates its card product offerings to ensure the business is evolving its products to best meet the needs of its customers. The Citi Prestige Card is one such card product.

As of July 1, 2021, customers will no longer be able to apply for the Citi Prestige card. Additionally, as of June 19, 2021, cardmembers will not be able to convert to the Citi Prestige card. All applications that have been submitted prior to these dates will continue to be processed.

Existing cardmembers will still be able to use their Citi Prestige Card without interruption and benefits will remain the same for primary and authorized users. Existing cardmembers can still add authorized users to their accounts.

Citi Prestige 信用卡介绍

亮点

• 所有酒店住三送一：在 citi travel 中预定所有酒店，均可享受定四晚支付三晚房价的福利，支付价格按照四晚原价*0.75 计算。打电话给 Citi travel concierge 也可以定。现在使用积分预定，也能享受这个福利。在改动后，这个福利只能一年用两次！
• 每年 $250 旅行报销：每个自然年持卡人均可获取 $250 的旅行报销，可以用在机票、行李托运、酒店等旅行相关费用。直接使用这张卡支付就行了。
• 航空休息室福利：赠送免费 Priority Pass Select 会员，可在世界范围内 900 多个 Priority Club 航空休息室使用，每次可携带两名同伴
• Global Entry 报销：报销 $100 Global Entry 申请费。注意，只有绿卡和公民才可以申请 Global Entry。
• Phone Insurance 福利：用这张卡支付手机话费，可以在手机受损、丢失时获取保险赔付，最高 $1500。一张卡最多保障 5 部手机。

Citi 卡福利

• 免费 FICO 信用分数：来自 Equifax，可以将历史记录画在图表上
• Private Pass：曾经发过一次免费电影票，反正我是没赶上
• Retention 比较慷慨：要交年费时威胁关卡，可能会收到一些 Promotion

Thank You Points 使用

我的点评

这张卡近期出现了福利改动，

【1/4 更新】这张卡的福利已经进行了大幅度的改动，老卡持有者已经生效，新的申请即将在本月开放。具体福利改动罗列和分析如下：

• 机票和吃饭返点将提升为 5x，新增游轮消费 3x：看来吃饭是主流，估计觉得大家吃不到哪里去，也没法 MS。机票和游轮其实一年用到的次数也不多。不过 Prestige 的 trip delay 福利比较给力，以后会成为买机票的主力卡
• $250 航空报销将变为 $250 的旅行消费：紧跟 CSR 步伐，报销更加容易，AMEX 快学学吧
• 增加 Phone Insurance 福利：想法很好，关键看 claim 起来是否容易
• 第四晚酒店免费福利将变为一年两次：最大的福利被削减，相信酒店达人要关卡了
• 年费上涨至 $495，指定 checking 账户仍然为 $350：涨了真不值这个年费了，$350 还是可以持有的
• Citi Travel 兑换不再有 25% 奖励：差评，积分贬值。citi 转点伙伴还不给力，typ 更难用了
• 取消娱乐类别 2x 奖励：差评，唯一一个有特色的返现类别也弄没了

总之，我个人觉得是一个比较差的改动。Citi 要是不增加 typ 的竞争力，5x typ 比不过 4x MR，也就能和 3x UR 比一下。年费上涨又没增加报销和一些实际的福利，还砍了最重要的第四晚酒店免费，这张卡感觉泯然众人了

【2019.6 更新】从 9 月 22 日起，这张卡大量福利将被移除。包括租车保险、旅行取消和延迟保险、旅行意外保险、行李延迟保险、行李丢失保险、Price Rewards（补差价）、90 天退货保险、road assistant。大家在登陆 citi 账户会看到跳出的界面提示这些取消的东西，每个卡不一样。我感觉作为高端卡，citi 不至于这么糟蹋自己的产品，也许只是和之前提供保险的公司闹掰了，还没找到下家，先取消了再说。。。

• 登陆查看福利变化页面
• Effective September 22, 2019, Worldwide Car Rental Insurance, Trip Cancellation & Interruption Protection, Worldwide Travel Accident Insurance, Trip Delay Protection, Baggage Delay Protection, Lost Baggage Protection, Medical Evacuation, Citi® Price Rewind, 90 Day Return Protection, and Missed Event Ticket Protection will be discontinued and will no longer be provided for purchases made on or after that date. Coverage for purchases made before that date will continue to be available, and you may continue to file for benefits in accordance with the current benefit terms. Roadside Assistance Dispatch Service and Travel & Emergency Assistance will be discontinued and will not be available on or after September 22, 2019.
• You will continue to have Extended Warranty and Damage & Theft Purchase Protection on this account…As a cardmember, you will also continue to receive a range of other card benefits including FICO^®Credit Score, Citi^® Identity Theft Solutions, and Citi Entertainment.

申请

• 最低额度 $5000，所以有一定的申请难度
• 如果你在 24 个月内开过或者关过 ThankYou Preferred/Thank Premier/Prestige/Rewards+ 的话，再次申请是拿不到开卡奖励的

申请链接