@Mia .I am a bit lost.Here we what I have seen so far.She has this card for more than 1.5 year and whenever card has been used for tickets.The flight points gets added in thank you account with regular card use points.The points in citicard account shows total points on right.So will she not able to redeem all of the points when she tries to use them?


@Guv

Charles Schwab card gives twice as many (in cash) for regular purchases.So that will rake up twice as many points as other cards.
So basically we are trailing almost if $20 in annual benefit when e use only 250$ /month with respect to amtrak card(but we still don't know atleast me the conversion rate of amtrak points 5000 points=50$ gift card?????).Now I will probably take 1 foreign trip every one or 2 year so this card won't have any of the foreign transaction fee so that will be considerable saving.

Discover more gives 10% easily on online purchases.I recently purchased 300$ worth of apparel and saved 30$.Plus the added advantage will now be 20$ of these can now be converted into 40$ enterprise rental certificate.5000 points which roughly translate to 50$ (if the point conversion is 5000 point for 50$ gift certificate and not like thank you points which gives for 6000 or 6500points)
I prefer not getting my points locked even if I use priority for less than 1000$ /year I am basically locking my 10$ here .Right?

{But if you have a higher credit limit on your long-haul card, and a relatively low limit on the annual-fee card, cancelling one annual-fee card should not have a very big effect on your FICO score, especially if your average credit utilization is only ~ $250/ month.}

Thanks for this pointer .I will keep this in mind