Originally Posted by KRSW

Chip + PIN:

Both cards lose here. Why is it so difficult for a bank to understand that people who use $400-500/yr TRAVEL credit card will likely TRAVEL internationally?

Even going to Canada or Mexico, Chip+Sig SUCKS - make sure you carry a pen with you at all times as many cashiers don't carry them. It's even worse in Europe with unattended gas stations & unattended subway / train ticket machines which do Chip+ OFFline PIN only. To be honest, Chip + SIG sucks even in the USA, especially after you've been so used to using Chip+PIN in other countries and come back here for awhile.

Contactless Payment:

Handy, but I'd rather have Chip+PIN. It's also been made redundant with NFC (Apple/Android Pay). I already have 2 contactless cards in my wallet. I keep my metal CSP between them, so depending on which side of my wallet hits the reader is which one it reads. The metal design of the CSP/R cards precludes being able to do contactless, and I'm fine with that.

Extended Warranty:

Citi -- 2 years additional, up to 5 years original (7 years total), up to $10k per item. "Item will be replaced with like kind and quality. However, we cannot guarantee to match exact color, material, brand, size, or model."

Chase -- 1 year additional, up to 3 years original (4 years total), up to $10k per claim, up to $50k per account. They'll try to repair, but if that's not possibly or reasonable cost, they'll credit you the full purchase price.

Winner: Mostly Citi. 2 years add'l by Citi seems nice, but the vagueness of their compensation leaves me unsure about it. Would you want a Funai TV to replace your Samsung or LG? I wouldn't. On a spec sheet they're "equivalent", which is what I'd imagine an insurance co would say. Now, I *do* use my Citi Costco card for known problematic items. Dehumidifier? Yep. FitBit? Yep.

Club Access:

Citi -- Priority Pass (+2 guests free), AA (AA fight req, goes away Jun 2017)

Chase -- Priority Pass (+ "guests" free)

Amex -- Priority Pass ($27 per person, even primary cardholder), Centurion Lounges, Delta Sky Club (DL flight req, 2 guests @$27 each)

For Jun 2017 onwards, between Citi & Chase, Chase wins by a hair by allowing more free guests.

Amex is a tough one to classify. It gets you access to the most number of clubs, but also pays for the least people. The Centurion lounges certainly are quite good by domestic standards but there's so few of them, none where I find myself often, unfortunately. DL Sky Club is good, but no free guests and I'm not always on DL metal. Amex's Priority Pass option is almost an insult when you have to pay for everyone. Even more so with it being the most expensive card (annual fee - credits) of the bunch.

Price Protection:

Citi -- Up to 60 days after purchase, up to $500 per incident, up to $2,500 per year.
EXCLUDES: Going Out-of-Business Sales, Auctions, vehicles & their parts, food/medications, tickets (airline/concert), jewelry, collectables, items for resale, services (that are not goods), anything with a service contract (cell phone), items with rebates, refurbished or used items.

Chase -- Up to 90 days after purchase, up to $500 per incident, up to $2,500 per year per card.
INCLUDES: ads for Cash Only sales, close-out/liquidation/going-out-of-business sales but only $50 per incident on these.
EXCLUDES: flea markets, limited quantities, seasonal sales, auctions, discounts of seasonal items, same as Citi from here.
NOTES: MUST file claim within 21 days of the advertised price.

Amex -- NONE. Again, Amex Plat is the highest priced card out of the bunch but fails to deliver.

Winner: Chase. 90 days vs. 60 for Citi AND Chase pays quickly. I know others may disagree with me, BUT I'm going by my experiences.

Citi's Price Rewind has a slick-looking website, but disappoints when it comes to reimbursements. First, they've NEVER found a lower price than what I've paid. I have 20+ items up on there and Citi's found nothing. I've found about 10. Second, when I submit for a lower price, they take forever to pay the claim. I submitted my claims about 3.5 weeks ago. Other than the "we've received your claim" e-mail, nothing. Third, there's no way to track manual claims.

Chase's claims website (eclaimsline.com) may not be flashy, but it works. It's easy to upload the original receipt, screen shot of Amazon (even 3rd party sellers), and hit Submit. I've been getting checks in the mailbox in 7-10 days. The only denial I received was for 60 fluorescent light bulbs. The bulbs were indeed bought for my office (although it didn't say on the receipt I sent to them), so I can see where they'd say it was a resale / commercial item. I've racked up about $450 in the past two months alone. Also note the $2500 per year per card. I'll leave it at that. I just hope the hard-core churners don't burn this bridge.

Shoprunner:

Meh. Give me Amazon Prime and I'd be more interested.

Customer Service:

Citi -- I've had limited dealings with them, but it's always been a very long wait on hold. Did get an American eventually.

Chase -- Excellent. A real, live American answers immediately, every time I've called. Reps were quite good & friendly and weren't script readers.

Amex -- Acceptable wait times, but often got off-shore reps who were script-readers. They were always able to get me the answers I needed though, so still pleased overall.