Which would you pick and why? It seems that Citi is pushing their ThankYou cards and is about to upgrade the rewards structure (2x points on dining and entertainment as far as I can tell). I currently have the Dividend but am considering a PC. I can rarely use the 5% categories, and otherwise it takes $5k spend to get cash back, which would take years as my AMEX PRG is my everyday card. The card simply gets used where the AMEX isn't accepted. If I did make it my everyday card, the Dividend is capped at $300 back a year.
Does the ThankYou Preferred report your credit limit? The website lists it as NPSL.