FlyerTalk Forums - View Single Post - Chase UR vs Citi TY
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Old Dec 2, 2019 | 9:36 am
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sdsearch
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Originally Posted by lsquare
[...]I've been thinking about this for a while now. Recently I got a Citi Premier and with the Citi DC's ability to convert to TY on a 1:1 basis, I'm wondering if that is a better path to accrue more points?

First, I don't understand why so many sites value UR higher than TY. I get that it's all subjective at the end of the day. I know CSR have insurance while the Citi Prestige doesn't, but it doesn't have a 5x multiplier. Chase also doesn't have a card that seems 2x in general spending. I like how Chase have Hyatt as a transfer partner. Is Chase overrated? I feel like I'm missing something here.
One thing you need to understand it that TYP is way more complicated than UR.

With UR, you can pool all the UR points you earn with different UR cards, and they stay around no matter which cards you cancel, as long as one of those cards stays open.

Not at Citi. Citi keeps track every point you earned as to which card you earned that point with, and expires each point 60 days after you close that card (or product convert to a non-TYP card).

So with Citi if you get multiple cards but don't know where to transfer and thus want to wait to transfer, you have to keep all of those cards alive (though you may be able to downgrade most to no-AF TYP cards) to be able to transfer.

So since TYP is so hard to understand (and so easy lose all your points if you don't take the time to understand it), most web sites are not prepared to do that kind of education, and thus they rate TYP much lower.

But also, explaining a program that has no domestic big airline / hotel partners is much harder. Most websites start explaining UR by explaining how you can transfer to United, to Southwest, to Marriott, or to other programs. TYP doesn't transfer to any domestic programs other than JetBlue (and doesn't transfer to any hotels at all), so it's much harder for a website to explain TYP to the general public which is not that familiar with foreign airlines (including not knowing their often much worse expiration policies, and not knowing where else to get miles into those same airlines if they don't have quite enough TYP points yet for the full reward).

So TYP is much more specialized program which requires you understand more about it and understand more about booking foreign airlines (since that's just the only airlines you can transfer to if you don't want JetBlue).
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