I think the Premier is just not that useful of a card with a $95 AF. I got the first year AF waived, so I'm still using it and I like it for 3x on gas, but there isn't much else to it that makes it worth keeping. Actually, I'd consider the HH Ascend as a better card than the Premier. $95 AF, but 10 PP uses, Hilton Gold (free breakfast), and solid earning rates.
[2/2019]
@Anonymous wrote:
@jdbkiang wrote:I think the Premier is just not that useful of a card with a $95 AF. I got the first year AF waived, so I'm still using it and I like it for 3x on gas, but there isn't much else to it that makes it worth keeping. Actually, I'd consider the HH Ascend as a better card than the Premier. $95 AF, but 10 PP uses, Hilton Gold (free breakfast), and solid earning rates.
I have to slighltly disagree. The Premier doesnt get much love in general due to the lackluster transfer partners. If you prefer the simplier route, one can also redeem at 1.25c a point through the portal. Other than that, the card itself actually does has great earning potential. The card pretty much covers all of the major spending categories (Gas, Travel, Dining, Entertainment).
With that being said, unless you spend alot on gas and travel it's probably not worth keeping beyond the 1st year. Its also worth considering that if you do plan to get the SUB in the future, your timeclock will likely reset to 24 months if you close it after the 1st year. This is one of the reasons I may keep it at least for the second year.
The main issue is that it's $95 for a card that simply doesn't provide any real benefits outside of the transfer partners. Honestly, the Citi Thankyou Prestige, though it costs far more per year, provides much easier pathways to recoup the AF. OTOH, there's simply no getting the $95 AF back in any way. There's really no real value to using this card over other $95 AF cards that do provide real benefits. The earning potential is solid, but is not much better than many other no AF cards.
@Anonymous wrote:
@wasCB14 wrote:Maybe you want Citi Premier for other reasons, but your CSP has roughly the same travel protections.
Trip cancellation is a pretty big deal if you ask me. Also, TPG seems to say trip delay protection kicking in earlier than 12 hrs, that would be big deal too.
Now pure dollar value wise, I don't think either CSP or Premier match prople+visa sig ( I am not even sure CSR matchs the wells combo right now). But benefit wise, premier and CSP each has its own advantages.
I don’t really think propel is comparable to CSP/Premeir due to it not being able to transfer to travel partners, thats where you are going to get the best value out of premier and CSP. To me its more comparable to maybe Barclays arrival + card where you are just redeeming travel credits ? Unless i am misunderstanding how propel works they aren’t really comparable.
