Personal Citi AAdvantage cards never included primary CDW, it has been secondary, the same as American Express.
Chase Sapphire Preferred ($95) includes primary CDW. If that's important to you, and you do not want Sapphire Reserve, apply for Sapphire Preferred, use it to pay for car rentals and nothing else. However, first make sure you understand what primary means and how it interacts with your personal auto insurance. Primary is not "better" insurance, it only means that it pay first.
Chase Ultimate Rewards does allow points to be redeemed for travel through their portal, which is operated by Expedia, but that is not the only way to use UR points for travel. They can be transferred to various airline partners and redeemed for award tickets, in the same way as American Express Membership Rewards and Citi ThankYou Rewards.
Thank you for the info. for some reason i thought Citi cards had primary CDW, with out looking i believe that applies only to foriegn car rentals (YMMV).
Not being terribly familiar with chase, at first glance it appears the points transfer to other airlines is less than optimal than say using Chase UR points to buy revenue tickets. 1. you lose out on the miles you would gain by chase buying a revenue ticket for you versus redeeming miles. 2. the transfer ratio is hardened and provides less flexibility to get the most out of your points 3. a lot of airline partners arent included, and while yes, you could set up an account with a 3rd party transfer airline, then use one world, etc to redeem a mileage ticket, it's just too much risk, and frankly too complicated for me. I don't want to spend my time and effort trying to hack through awards when im paying for a premium product.