Citi Prestige

Yes — the Citi Prestige's 5% category bonus stacks with shopping portal cashback. Use a portal like Rakuten or TopCashback, pay with your Citi Prestige, and earn both rates on the same purchase. CashBackStacks shows the combined stack for every store.

Add the Citi Prestige to your CashBackStacks wallet by selecting it from the card directory. Once added, your personalized stacks will include the Citi Prestige's category bonuses whenever they apply. No account numbers or sensitive data is needed.

Good news: the Citi Prestige waives foreign transaction fees. Combined with its rewards categories, it's a solid choice for both domestic and international shopping.

The Citi Prestige's 0 cashback welcome offer No application or product change for this card is available. can be very valuable — especially when combined with portal cashback and card-linked offers on your qualifying purchases.

At the card's top earn rate of 5%, you'd need about $9,900 in annual spending in that category to recoup the $495 fee through rewards alone. Sign-up bonuses and perks can offset the fee in year one.

At 1.6666670000000001¢ per point for travel redemptions, ThankYou Points points can be very valuable. Transfer to airline/hotel partners for potentially even higher value. CashBackStacks normalizes point values so you can compare the Citi Prestige directly against cashback cards.