Citi seems to devalue its TYP-earning cards’ benefits more and more intensely than Chase devalues its UR-earning cards benefits, so there is a trust/mistrust factor in valuations. And beside that I seem to get more value out of any given UR point than I get out of any given TYP. While the different earning options/rates make a difference in which cards to use, any given individual point earned has a value for redemption purposes, and that’s where UR points are more valuable than TYP as I see it.