Per DoC Citi DC “points” transfer to TYP

[Loquat]

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@ToxikPH wrote:

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@Loquat wrote:

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@ToxikPH wrote:

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@Loquat wrote:

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@K-in-Boston wrote:

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@ToxikPH wrote:

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@K-in-Boston wrote:

If it holds true that DC will transfer 1:1, I may consider grabbing my own Double Cash (assuming AU accounts won't be able to transfer) or possibly product changing my Rewards+ to DC in the future.

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Personally I don't see much value in the R+ card, it seems to hold a weird spot in the TYP program. If it's true that the DC can soon transfer to be points than I really don't see the point in the R+.

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R+ is good for the aforementioned 10% rebate on TYPs and for small transactions since it always get rounded up to 10 points earned.  A $2 coffee is going to always earn 5x, $0.50 transactions would earn 20x, etc.  Unfortunately for Citi, anywhere I end up making those rare small transactions usually takes contactless so I'll just use my Altitude Reserve for 4.5x.  For someone who often grabs a morning coffee (and doesn't use Dunkin' or Starbucks app) or for someone making a lot of small app store purchases (and I'm sure there are many other examples) it can be a great card.  It just doesn't fit in with my spend, but the next time Citi gives me a 5x targeted offer (or even better, the extra 5x targeted offer - I was earning 8x on travel for a while there on Premier) on it I'll use it to earn easy TYPs.

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@K-in-Boston +1  I find value in TYPs and burn most of them for short hauls on AA via Qantas.  I got this card specifically because of my vending machine purchases at work.  Coffee/Drinks are between .75 and and $1.00 with Red Bull, Monster, etc being $1.50  Snacks range from .50-1.75.  With the amount of gum and coffee/energy drinks I buy during a regular shift, the Rewards+ card is a true workhorse and I rack up a lot of TYPs in a short period of time.  Definitely a keeper for me.  And if the DC transfer at a 1:1 then I'll have a full house with Citi as I have the Premier, Prestige, Rewards+, and DC.  

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Why have both the Premier and Prestige?

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To follow up with @K-in-Boston has mentioned.  I think the Prestige more than pays for itself with the easy-to-use $250 travel credit.  Even with the free night being capped at 2 I still get a lot of value out if it.  It compliments the Premier very well as the it has been mentioned, the 3x on travel with the Premier has a very wide range.  The Rewards+ is a niche I'll give you that but works for my set up and the DC just brings home the entire ecosystem if one is invested in TYPs.

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My main thing is the transfer partners, are there any good transfers for domestic travel? Also, doubt I could personally get much use out of it as Amex has me covered on almost all fronts.

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@ToxikPH If Amex has you covered then don't bother wasting time with TYPs.  As for transfer partners, that's going to depend on where you're located.  Different airlines tend to dominate different areas.  In my area, American is boss...and Southwest also has a large presence but I refuse to fly Southwest.  Do I wish Delta had a larger foot print here? sure, but they don't so I'm on AA metal almost all the time.  Qantas they're a transfer partner of Citi and it works for me as I can book AA flights via their rewards currency. 

This stuff is about finding your own sweet spot based on what you want, where you want to go, where you live, and what flying school bus is headed in your direction of travel.  

[ToxikPH]

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@K-in-Boston wrote:

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@ToxikPH wrote:

My main thing is the transfer partners, are there any good transfers for domestic travel? Also, doubt I could personally get much use out of it as Amex has me covered on almost all fronts.

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Just using Delta as an example, I mentioned Flying Blue (KLM/Air France) and Virgin Atlantic earlier.  The caveat with Virgin Atlantic is that if it's not a direct flight, the value might not be as good since there is a per-segment number of miles needed.  I'll pick a transcontinental example using two Delta hubs: BOS and SEA.  Keep in mind that FlyingBlue and Virgin Flying Club are transfer partners of every major points program, in addition to being very close Delta partners.  Just picking a 1 week round-trip in the first week of January as an example:

Delta $456 in Main Cabin or $1450 in First

• Booked with MRs through Amex portal: 45,600 Main (1.00 cpp) or 145,000 First (1.00 cpp)
• Booked with TYPs through Citi portal with Premier: 36,480 Main (1.25 cpp) or 116,000 First (1.25 cpp)
• Booked with URs through Chase portal with CSP: 36,480 Main (1.25 cpp) or 116,000 First (1.25 cpp)
• Booked with URs through Chase portal with CSR: 30,400 Main (1.50 cpp) or 96,667 First (1.50 cpp)
• Booked with SkyMiles: 33,500 Main (1.36 cpm) and 112,500 First (1.29 cpm)
• Booked with FlyingBlue via Air France: 29,000 Main (1.57 cpm) and 72,000 First (2.01 cpm)
• Booked with Virgin Flying Club: 25,000 Main (1.82 cpm) and 45,000 First (3.22 cpm)

As you can see, for Delta award fares on direct domestic flights Virgin and Air France/KLM are often the way to go.  I'm a SkyTeam person, but I am sure among the other alliances there are also sweet spots with TYPs.

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That is absolutely huge and it really seems like I need to learn the alliances. Would having both Amex and Citi make sense though? You can see I have a lot of stake in Amex but I have the R+ and DC so I'm 2/4 to a full Citi load too. My only problem is thanks to the TYP bonus rules I'd have to wait or just forget the bonus (why would I ever do the latter?).

[ToxikPH]

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@Loquat wrote:

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@ToxikPH wrote:

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@Loquat wrote:

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@ToxikPH wrote:

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@Loquat wrote:

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@K-in-Boston wrote:

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@ToxikPH wrote:

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@K-in-Boston wrote:

If it holds true that DC will transfer 1:1, I may consider grabbing my own Double Cash (assuming AU accounts won't be able to transfer) or possibly product changing my Rewards+ to DC in the future.

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Personally I don't see much value in the R+ card, it seems to hold a weird spot in the TYP program. If it's true that the DC can soon transfer to be points than I really don't see the point in the R+.

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R+ is good for the aforementioned 10% rebate on TYPs and for small transactions since it always get rounded up to 10 points earned.  A $2 coffee is going to always earn 5x, $0.50 transactions would earn 20x, etc.  Unfortunately for Citi, anywhere I end up making those rare small transactions usually takes contactless so I'll just use my Altitude Reserve for 4.5x.  For someone who often grabs a morning coffee (and doesn't use Dunkin' or Starbucks app) or for someone making a lot of small app store purchases (and I'm sure there are many other examples) it can be a great card.  It just doesn't fit in with my spend, but the next time Citi gives me a 5x targeted offer (or even better, the extra 5x targeted offer - I was earning 8x on travel for a while there on Premier) on it I'll use it to earn easy TYPs.

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@K-in-Boston +1  I find value in TYPs and burn most of them for short hauls on AA via Qantas.  I got this card specifically because of my vending machine purchases at work.  Coffee/Drinks are between .75 and and $1.00 with Red Bull, Monster, etc being $1.50  Snacks range from .50-1.75.  With the amount of gum and coffee/energy drinks I buy during a regular shift, the Rewards+ card is a true workhorse and I rack up a lot of TYPs in a short period of time.  Definitely a keeper for me.  And if the DC transfer at a 1:1 then I'll have a full house with Citi as I have the Premier, Prestige, Rewards+, and DC.  

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Why have both the Premier and Prestige?

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To follow up with @K-in-Boston has mentioned.  I think the Prestige more than pays for itself with the easy-to-use $250 travel credit.  Even with the free night being capped at 2 I still get a lot of value out if it.  It compliments the Premier very well as the it has been mentioned, the 3x on travel with the Premier has a very wide range.  The Rewards+ is a niche I'll give you that but works for my set up and the DC just brings home the entire ecosystem if one is invested in TYPs.

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My main thing is the transfer partners, are there any good transfers for domestic travel? Also, doubt I could personally get much use out of it as Amex has me covered on almost all fronts.

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@ToxikPH If Amex has you covered then don't bother wasting time with TYPs.  As for transfer partners, that's going to depend on where you're located.  Different airlines tend to dominate different areas.  In my area, American is boss...and Southwest also has a large presence but I refuse to fly Southwest.  Do I wish Delta had a larger foot print here? sure, but they don't so I'm on AA metal almost all the time.  Qantas they're a transfer partner of Citi and it works for me as I can book AA flights via their rewards currency. 

This stuff is about finding your own sweet spot based on what you want, where you want to go, where you live, and what flying school bus is headed in your direction of travel.  

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Personally I'm in Denver so a lot of airlines have a stake here. SW and Delta are fairly large as there is a Delta lounge and the Amex lounge is being built in the SW terminal but United has it's completely own terminal where the other two are mixed. Honestly, I can choose from any of the three large CC issuers.

[wasCB14]

@ToxikPH 

Until your income is significantly more than $31k, your best option may be to just occasionally get a nice bonus and not bother with airline loyalty or a focus on a particular CC rewards program.

One thing to watch out for, especially with limited spend, is spreading your spend across so many rewards programs that you don't have enough miles available when you want to redeem.

[ToxikPH]

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@wasCB14 wrote:

@ToxikPH 

Until your income is significantly more than $31k, your best option may be to just occasionally get a nice bonus and not bother with airline loyalty or a focus on a particular CC rewards program.

One thing to watch out for, especially with limited spend, is spreading your spend across so many rewards programs that you don't have enough miles available when you want to redeem.

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That's what I was thinking, you would not believe how nice paying for college is if you get a free flight out of it lol. Should I shoot for no AF cards so that they don't need to be cancelled or should I shoot for the higher cards for larger bonuses as I have no problem hitting up to 4k/3months?

[SouthJamaica]

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@wasCB14 wrote:

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@redpat wrote:

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@ToxikPH wrote:
The R+ already earns TYP, I think it’s like chase where it’s cash back normally but paired with a better card it turns into transferable TYP

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Sorry about that you are right.  I haven't used TY points system in years.  

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As discussed earlier in this thread, Citi has a history of restricting how certain TYs (like those from deposit promotions) can be used, even when someone has a Premier or Prestige. It's not as simple as being "like Chase".

Am I saying there is no way DC "points" can become airline miles or be redeemed at 1.25 cpp (2.5% travel cash) with Premier? No. A lot is still unknown. I'm just saying the history of TY is not encouraging.

Also, Citi reps aren't the most reliable, so I wouldn't put much stock in any unofficial info in the first place.

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+1

I agree with you on both points that you make.

It's clear from the TYP redemption site that there are low tier and high tier TYP's; all TYP's are not alike.

And in 5 years I have yet to have an intelligent conversation or chat with a Citi CSR.

[SouthJamaica]

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@Anonymous wrote:

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@wasCB14 wrote:

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@redpat wrote:

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@ToxikPH wrote:
The R+ already earns TYP, I think it’s like chase where it’s cash back normally but paired with a better card it turns into transferable TYP

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Sorry about that you are right.  I haven't used TY points system in years.  

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As discussed earlier in this thread, Citi has a history of restricting how certain TYs (like those from deposit promotions) can be used, even when someone has a Premier or Prestige. It's not as simple as being "like Chase".

Am I saying there is no way DC "points" can become airline miles or be redeemed at 1.25 cpp (2.5% travel cash) with Premier? No. A lot is still unknown. I'm just saying the history of TY is not encouraging.

Also, Citi reps aren't the most reliable, so I wouldn't put much stock in any unofficial info in the first place.

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I found it difficult to believe they turn DC CB into TYP and then forbit that TYP to be transferred to airlines.

Can you imagine a situation where a DC TYP is not airline-transferrable? lol

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No, but I can imagine a situation where TYP's from some cards have a less advantageous transfer rate than others. And I'm not that creative. The only reason I can imagine it is that it presently exists.

[FieryDance]

What would be a good Citi Trifecta? I am thinking Premier and Rewards+ and Double Cash.

[wasCB14]

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@FieryDance wrote:
What would be a good Citi Trifecta? I am thinking Premier and Rewards+ and Double Cash.

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How often might you use 4th Night Free from Prestige? What would be your air travel, dining, and other travel spend? How would you be redeeming your TYs?

[FieryDance]

Usage for 4th night, hardly ever. I can think of two times I ever did in recent years and both under very unusual circumstances.

Air travel range from $1,000 to $3,000 a year and dining around the same. Travel by train more but for work. Do road trips, RV trips, camping trips, backpacking trips, but most travel spend is on expedition trips. Did an Antarctica expedition for $30K through an specialty travel agency and may do Arctic next year.

Not really into luxury hotels or first class flights.