Originally Posted by
krazieman
I'm undecided here.
I have the CSR, Amex Plat, and Citi Prestige. Every single card gives priority pass so that's a push.
1. CSR = $450 - $300 travel credit = $150 card, the benefits are redundant. 3x dining is great - and Chase pts are more valuable than Citi or Amex pts.
2. Citi Prestige = $450-250 airfare credit = $200 card. 4th Night makes up for it if I use it once or twice a year.
3. Amex Plat = $550 - $200 AA gift card - $200 Uber = $150 card. Centurion lounge is well worth over $150. Also Amex offers are useful.
It seems like the one that's worth eliminating is really the CSR. Unless that 3x UR pts > 2x Citi Thank You Pts + $150 a year.
Thoughts?
I have all 3 cards as well. I have not found the Citi 4th night benefit to be useful. Reasons :
- Citi concierge only goes by the rates on the hotel web site, not Expedia or other aggregators. And you can often find much better rates there for the same room / same type of rate (refundable/breakfast/etc), frequently 15-20 percent off . The 4th night benefit would save money, but it only ends up being $10 - $20 per reservation due to this.
- You have to call the Citi concierge, and it takes a looong time to make/cancel bookings through them on the phone
So for me, I'm leaning towards cancelling the Prestige card.
CSR has 1.5 cent per point redemptions when you book travel through Ultimate rewards portal, but again, you often don't get the best rates through that portal. Also, there are many options that you just can't book through that portal at all (some hotel rooms). In which case, redemption is 1 cent per point (cash) . Which is still better than Citi cash back redemption (0.8cpp pay with points) and Amex cash (0.6 cpp statement credit).