2 great Citi Gold benefits for Citi Prestige cardholders

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2 great Citi Gold benefits for Citi Prestige cardholders

I recently signed up for the Citi Prestige. I know…what have I been doing this past year?!?! Everyone has been raving and raving about the card and I held onto my Citi Thank You Premier only to apply for the Citi Prestige right before they devalued some of the benefits. I was still able to get 50,000 Thank You points for the sign up, and will have a full year’s use of the Admiral’s Club. I’m not really that concerned about the devaluations as I’ll still get $500 in free flight credits, Admiral’s club ( which I’ve already used), the buy3get1 free hotel perk, and a great Priority Pass membership. Now the card becomes even more valuable with 2 great Citi Gold benefits for Citi Prestige cardholders.

A little history:

Earlier in the year I had a Citi Gold checking account. I’m sure a lot of you made use of an incredible offer that provided 50k AA miles for a new Citi Gold checking account so I won’t spend much time on it. I had to spend a $1000 on a debit card and make some bill pays within the first 3 months, once completed, the points would post. Well my points posted 4 months later and I cancelled the account shortly thereafer. Ever since, my online Citi account still marks me as being an active Citi Gold member. Fantastic. I wasn’t sure whether my new Citi Prestige would qualify for Citi Gold benefits, but it did.

2 great Citi Gold benefits for Citi Prestige

  1. Annual fee is $350 vs $450. citigoldcitiprestige2

  2. 15% dividend on all points earned through purchases. citigoldcitiprestige

  3. There are no late fees either…which is pretty awesome. Although I typically have mine set for auto-payment so this isn’t as big a deal for me.

Value, value, value!!!!! Thanks CitiGold – you rock!

  1. If we simply look at the $250 annual flight credit and offset that against the $350 annual fee I’ll be paying, I’m $150 ahead. That is unbelievable.
  2. 15% dividend is amazing as well. I’ll probably put a lot of my spend on this card in the upcoming year because of this feature. Although, this new Chase Sapphire Reserve is verrrrrry attractive to me
  3. If you notice it says that they are going to credit part of my annual fee. I’m assuming that credit will be $100 to discount the $450 to $350, but maybe i’ll get lucky and they’re giving me some sort of SUPER credit – I did apply before the devaluation, so maybe they are giving a customer appreciation, we are so sorry we fooled you, statement credit. A monkey can dream, right?

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • That’s $750 when you redeem through Chase Travel℠
  • 5x on all travel purchased through Chase Travel℠
  • 3x on dining, including eligible delivery services for takeout & dining out
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • $50 Annual Chase Travel Hotel Credit via Chase Travel℠
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 2x on all other travel
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
  • Points are transferrable to 14 Ultimate Rewards partners
  • Redeem in Chase Travel℠ for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Auto Rental Collision Damage Waiver is my favorite
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024
  • $95 Annual Fee

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex®  and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


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