Originally Posted by
kdm31091
My guess is that since trains are often used for everyday commuting, that's the reasoning. Citi wants to give the 3% for travel as in vacations, not everyday travel expenses. May be stupid but I think that's the logic.
I can see the reasons for Citi losing the battle against Chase; Sapphire is better for travel, and Freedom earns 5x UR points. As a sign of trouble, I noticed just yesterday a Costco offering 0% APR for seven months for new Anywhere cards.