Originally Posted by neophyte

I have another idea, which all the great minds didn't catch in 10 pages

Looks like nothing prevents one from combining two offers: reduced 1.99% fee from Citibank and double points/miles.

That's what I will try - start from any of citi landing pages: CitiDebit
or
CitiCredit
and then use Starwood Amex for the actual payment !

I went half-way only 'cause I didn't complete my taxes yet, but it seems to be working. It is possible that officialpayments.com will verify that card is really Citicard during checkout, but I doubt it. And, we've got nothing to lose, if trick doesn't work - we end up with standard 2.49% fee.