Originally Posted by
surfmonkey89
I’m really torn between this and the Citi DC.
Seems like the Alliant's advantages are 3% with no AF that first year, plus no FTF. Also, it's a Visa vs MC (small advantage, but still). But, it goes down to 2.5% after that, with what is now a pretty substantial AF for a cash back card. I’m confident that I’d use it enough to return more overall than the DC, but that AF makes it a little more difficult.
The Citi DC has no AF, ever. And if price protection is as good as people say, it could save me a fair bit of cash. But it has a FTF, so I'd need another card for travel.
Am I missing something obvious from either of these cards that would help make the decision?
Well, do we know if the new, higher fee applies to current card holders? I didn't see it in my statement after doing a quick search over last year's statements. That change has to be disclosed and we need to find out when/if the fee is increasing.
I think it's pretty easy, if you're using it for well over $20,000, you keep this card (that's the point the 0.005% extra cash back is greater than $99). I say "well over" because it has to negate the negatives as you see it (price protection, etc.).