Citi vs Chase

[firefox100]

Yes we all like high end credit cards, but you need to build a stronger foundation, you may want to start with your PayPal master card put some spend on it and start asking for credit increases. You can ask synchrony every 3 months try to got the paypal mastercard limit to be 10K or more then work on your Discover card. It is a good Idea to get your average credit limits up before you apply for any new cards. Au's don't account in most cases, also wate to your scores fico scores are over 720. Good luck.

[MrDisco99]

Right now Hyatt is the only Chase transfer partner that offers real outsized value (> 2cpp) and doesn't overlap with Citi or Amex.  That combined with better points earning rates on Citi cards makes me feel like Citi is the better program for award travel.

Chase has a better travel portal (and better earn rates through the portal) but that's still only 1.5cpp best value.  Chase also offers travel protection benefits on the Sapphire cards, so I would actually pay the fees on award bookings on that card if I had both.  But I still think Citi is better for earning points on all other spend.

[Loquat]

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@MrDisco99 wrote:

Right now Hyatt is the only Chase transfer partner that offers real outsized value (> 2cpp) and doesn't overlap with Citi or Amex.  That combined with better points earning rates on Citi cards makes me feel like Citi is the better program for award travel.

Chase has a better travel portal (and better earn rates through the portal) but that's still only 1.5cpp best value.  Chase also offers travel protection benefits on the Sapphire cards, so I would actually pay the fees on award bookings on that card if I had both.  But I still think Citi is better for earning points on all other spend.

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My thoughts exactly.  And Hyatt still has plans to roll out their dynamic peak/off peak pricing next year so that may close up the outsized value that currently exist...only time will tell.  

[Flooded_Genesis]

@Loquat I don't. But They're one of the most flown airlines in the area for some reason. 

Also, thanks for the feedback! It sounds like AA would be a better card overall for everyday spending.

[Hoben02]

I think it boils down to which transfer partners are useful for you no use getting a card if you cannot use the transfer partners except if you want to be flexible. That said I'm entrenched in the chase trifecta(csp. Cfu, cf, swa) and the main reason is I fly on swa quite a bit. Now my issue with citi is that it's transfer partners are pretty much all int airlines except maybe jetblue even though they have this one time transfer of citi thank you to aa good u til November 2021 hopefully they extend it. The other advantage is that you will accumulate points faster on citi since they reward gas and supermarkets permanently, but on chase it's a sporadic category and beside I can only afford gas at Costco so the MasterCard is no good