Originally Posted by brajalle

Re trip delay & baggage insurance - I'm comparing the prestige - which is up to $500 for 3hrs for both - to the Reserve - which is $500/$100 for 6hrs. Three extra hours is an eternity when hungry in an airport, having to book another ticket, deciding to spend the night, or waiting on baggage. I've not had to use it, but I now book some carriers I'd be concerned about otherwise with no worries (ie big seats on Spirit = cheap business domestically, Norwegian business flying to europe, or LATAM in SA for example).

Re price rewind - yes both offer this. Citi mostly issues Mastercards (including my Prestige & AT&T card), so it's not just a visa thing. Some reading online suggests that Chase is more picky on these claims, and it specifically excludes seasonal sales (ie black friday). From personal experience, Citi is very generous & is more friendly to evidence that isn't from a direct advertisement - I regularly get black friday deals w/o the hassle weeks in advance, I had an air purifier and sump pump go out and need a quick (in the case of the pump - emergency) repair - just have the salesman itemized the item from labor and boom - $500 & $210 respectively with just an amazon item page printout.

Some extra perks I didn't mention - free roadside assistance for 10 mile tow, jump, 2 gallons of gas (only used once - Chase's cost $50 if I recall), and event ticket protection (used for a dinner&play combo and movie tickets in the last year).

Hope that explains my comment a bit better.