Originally Posted by mikesyr18

My Schwab account is hands down better than anything Citi lays out for a checking account in terms of customer service, interest, and fees (such as foreign ATM and overdrafts)... Especially when their closest checking account that competes with my free Schwab account requires a $200,000 balance (which they've raised from $50,000 or $100,000 in recent years).



Not rare at all. Even the Venture has a $500 sign up bonus and a waived AF the first year. Penfed's card has a $100 sign up bonus after spending $1,500. SDFCU's has a $200 sign up bonus, etc.

I have the TY Premier but it's not even in my wallet right now... my main drivers are AMEX Blue Business (2x on all of my purchases), and my USAA Limitless (2.5% back on everything). MR's are useful while Citi's points are generally worthless for domestic travel (Jet Blue is also a MR partner). At least with MR's I can transfer to Jet Blue, Delta, Hilton, SPG/Marriott, etc., whereas Citi has lost Hilton's cards, Hilton as a transfer partner, and has nerfed the Prestige multiple times in the last five years. In fact, it's quite annoying how it looks like they've practically given up with their TY program because they don't want their customers to have any nice benefits.