Im going with the Citi Thank You Premier Card. Full disclosure – It seem for whatever reason Chase does not want to do business with me so getting a Chase Sapphire Preferred card is out question. However After comparing the two card side by side why would anyone get the Sapphire Preferred. The way the Citbank card is set up if you fly a lot the chase card can't touch it. Why ? Because Citibank points compound on themselves and matching point is better than double. The BREAK DOWN!
| | Currency | Citi Conversion | Chase Conversion | Citi Matching Flight Points | Citi Airfare redemption bonus | Total Citi point per dollar | TotalChasePoint |
| | | | | | | | |
Travel | | | | | | | | |
| Air | 1 | 1 | 2 | 1 | 0.66 | 2.66 | 2 |
| Bus & Train | 1 | 1.2 | 2 | 1.2 | 0.792 | 3.192 | 2 |
Gas | | 1 | 1.2 | 1 | 1.2 | 0.792 | 3.192 | 1 |
Groceries | | 1 | 1.2 | 1 | 1.2 | 0.792 | 3.192 | 1 |
Dinning | | 1 | 1 | 2 | 1 | 0.66 | 2.66 | 2 |
That not taking into account things you can buy through the Citi Thank you bonus center which is pretty much everything else. And they give you 3-7 points per dollar. THE BREAK!
| | Currency | Citi Conversion | Chase Conversion | Citi Matching Flight Points | Citi Airfare redemption bonus | Total Citi point per dollar |
Citi Thank you bonus center | 1 | 5 | | 5 | 3.3 | 13.3 |
And that’s not including the anniversary bonus of 5%. You may be like Chase give you 7% but 7% of nothing is nothing. Lets use the example of 20K in everyday spending. The BREAK!!
| | Currency | Citi Conversion | Chase Conversion | Citi Matching Flight Points | Citi Airfare redemption bonus | Total Citi point per dollar | TotalChasePoint |
Gas | | 5000 | 6000 | 5000 | 6000 | 3960 | 15960 | 5000 |
Groceries | | 10000 | 12000 | 10000 | 12000 | 7920 | 31920 | 10000 |
Dinning | | 5000 | 5000 | 10000 | 5000 | 3300 | 13300 | 10000 |
| Total Points | | | | | 61180 | 25000 |
You Anniversary bonus looks like this
Total with Anniversary bonus | 64239 | 26750 |
Lets say you also bought 10K in TV’s, new Frig, computer. Stuff you can get through the citi bonus center….. THE BREAK
| | Currency | Citi Conversion | Chase Conversion | Citi Matching Flight Points | Citi Airfare redemption bonus | Total Citi point per dollar | TotalChasePoint |
Citi Thank you bonus center | 10000 | 40000 | 10000 | 40000 | 26400 | 106400 | 10000 |
| | | | | | | | |
| | | | | | | | |
| | | | Citi | Chase | | | |
| | Anniversary bonus | 111720 | 10700 | | | |
So you just spent 30K with Citibank you got 175.959 points….$1,759.59 in airfare Vs 37,450 points with Chase. I know what you chase lovers are going to say!!! I can flight business class with those points. AND THAT’S TRUE. You can flight business class. However I just flew my whole family to OrlandoFL and spent a week at Disneyworld…..WHAT?
