In a nutshell: The Citi Prestige credit card is a great deal if you are a frequent traveler and like to stay in five-star resorts, on vacation or in the city. In other words, if you are looking for a credit card that has an attractive benefit package, offers an attractive reward program and provides an easy to use online application, you have found it.
Other notable Benefits: The card comes with several major points of interest. The primary one is the four-night stay allowance; however, you are not allowed to charge your card more than four nights in a four-month period or for a total of four nights in a twelve-month period.
Another not so obvious feature is the Credit Card Association of Canada's (CCAC) “Protecting Your Privacy Act” policy. This policy protects your privacy by prohibiting the issuance of credit cards to people who have a history of fraud, have had a bankruptcy, had a restraining order against them or are serving prison time for domestic violence or sexual assault. This policy is important as if you are using this card in a situation where it has been issued to someone with one or more of these conditions you may be putting yourself at risk.
Furthermore, when choosing your card it is recommended that you look for the rewards associated with it and not just the interest rate. If you are a frequent traveler and plan on going somewhere in the near future there are better options such as the American Express card or a rewards credit card. This would be a better choice in case you are not planning on going anywhere for the foreseeable future and if you travel infrequently.
If you have credit issues with the past and don't feel comfortable with issuing a credit card then the Citi Prestige was a fantastic option to consider. In fact, many credit unions and financial institutions offer it as well. It does not matter if you are a member of the union or not, they offer it as a special card for cardholders and non-members alike. There is no annual fee associated with this card and you can use it anywhere MasterCard or Visa is accepted.
For the most part the Citi card does not have any restrictions or limitations as to the types of activities you can do with the card other than spending limit. That said, there are a few things to watch out for if you are using the card to travel internationally.