I'm not sure if it makes sense to max out your Citi PP/E before you switch over to the AMEX. If you're talking about the Citi AMEX Platinum, then you would get bigger return than Citi PP/E. If you spend $30K, that is at least 3 points per dollar for the first 2 years = 90K points x 3% = $2700 flight = 9% return, better than the 6% return you get on the PP/E. And it's even more if you spend some money at grocery/gas/pharm (5 ppd instead of 3).