Originally Posted by
mintcilantro
I was using Prestige for my airfare/dining/hotels. I dropped CSR when the first renewal hit. I still have the Ritz card for getting insurance on award travel. Now I need to figure out if I can get an independent travel insurance plan to replace the benefits lost from citi prestige.
I spend about $10 -15k on flights every year with around 5-7k on dining. So I'm getting ~40k extra points by using Prestige over CSR. If I can get travel insurance for a lower amount then it still makes sense to stick with Prestige. Esp. if I can get a retention offer.
With about $25,000 in annual dining spend and $5,000 in flight spend, Citi Prestige would theoretically be an ideal card for me even taking into account the weaker protections. But the Amex Platinum + Gold have those categories covered (along with grocery, which none of the Citi cards give a bonus for), and they now have superior travel and warrenty benefits. Plus, the net fees for the cards are below zero when considering Uber and dining credits, airline credits and SkyClub access; 1x more on dining doesn't move the needle enough without all the trip protection
For non-airfare travel ($5,000+ on Uber annually for me), Chase Sapphire Reserve remains unbeatable - the Citi Premier would theoretically be a good card for this, and the Reserve costs $55 more after taking to account the travel credit, but adding the no-fee Freedom Unlimited and Freedm to Reserve make it superior all around to the Premier