prestige

Tag Archives for prestige.

Loving Citi More Than Ever – Time to Cancel Other Cards?

The credit card landscape is shifting fast:

  • Chase will apply the 5/24 to all its cards starting in April 2016, including co-branded and business cards
  • Citi has been shutting peeps down for usage they don’t like (multiples of any 1 card, money order payments, etc.)
  • Barclays had a good product with the Arrival Plus card, then butchered it. That was pretty much the only good card they had
  • US Bank is useless
  • Bank of America is only good for the Alaska Visa
  • Wells Fargo is a cantankerous little beast
  • There are a few other niche cards, like the Fidelity Visa and BBVA NBA card, worth looking into, but not many

Card offers come and go. Benefits change. Mergers happen and shake things up. Revenue-based elite status throws a wrench into points-earning calculations.

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Could ThankYou become the go-to?

Lately, I’ve been using my Citi cards for most of big purchases. And my trusty Chase Sapphire Preferred for dining.

Non-bonused spend goes on the Fidelity AMEX (I still have the AMEX version). And that’s pretty much it. All the other cards I have are for niche benefits or very specific spending (Chase Hyatt Visa, for example).

Recently, I went ahead and canceled the Chase British Airways Visa.

RIP

Bye, you useless thing

And downgraded my US Bank Club Carlson Visa Signature to the no annual fee version just to keep the credit line and history intact (here’s my recent offer to increase my credit line in exchange for 250 Club Carlson Gold points).

Poor AMEX

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Confirmed: RadPad Earns 3X ThankYou Points With Citi AT&T Access More Card

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Hello from sunny and HOT Martinique! I’m at Hotel La Pagerie (which I booked with the 4th night free through Citi Prestige).

Quick update because I just received my first statement on my brand new Citi AT&T Access More card.

I didn’t go for the Citi ThankYou Premier to get the full 3X on all travel including gas. Instead, I hedged my bets and got the Citi AT&T Access More card.

The main draw for me was paying rent through RadPad and earning 3X Citi ThankYou points.

And because I also have Citi Prestige, each point is worth 1.6 cents toward American Airlines flights (including codeshares). So even with RadPad’s 1.99% fee, I’d still get close to 3% back of value (4.8% – 1.99% = 2.81%).

Which is awesome – and better than a 2% cash back card obvi.

I outlined the numbers in detail here. And commenters on both Doctor of Credit and Reddit said RadPad earns 3X Citi ThankYou points per $1.

But I just had to confirm it for myself. It really does!

My 3X Citi ThankYou points experience

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Is the Citi AT&T Access More Card + RadPad a Viable MS Option?

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I wrote earlier about my wishes for the Citi ThankYou program and increasing fascination with Citi.

Today, I had some sort of psychic break and picked up the Citi AT&T Access More card.

Oops, I did it again

Oops, I did it again

I applied for it instead of the Citi ThankYou Premier card. Based on my current spending habits, and the fact that I already have Citi Prestige, the Citi ThankYou Premier seemed redundant.

Except for its broad 3X category for all travel including gas. But then I thought, you know, no.

Before I go all-in with Citi ThankYou, I wanna see what’s next. I can pick up that card up any time. And use my Chase Sapphire Preferred (or some other card) for gas/other travel.

And then, thinking more on the Citi AT&T Access More card, I thought about why it could be better. Including for paying rent at RadPad, a topic I’ve mined frequently.

About the Citi AT&T Access More card

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4 Things Holding Back Citi ThankYou From Being the Best Points Program

For too long, Chase Ultimate Rewards has been considered the best all-around points program for peeps who like collecting them (myself included).

You welcome

You welcome

AMEX is failing miserably at just about everything right now, except for AMEX Offers.

They lost Costco and jetBlue, might lose Starwood, Membership Rewards doesn’t have (m)any great transfer partners (maybe Delta, Aeroplan, and ANA for niche award flight redemptions), and they’ve absolutely failed to make timely and industry-leading adjustments to their credit card and points line-up for a long time (thanks for dropping forex fees after like, a decade…).

That left the door wide open for Citi to swoop in (Barclays and Bank of America were never a concern). And man, they really took their chance.

I went from having 1 Citi AAdvantage card to wanting multiple Citi cards in a short while. I’m in love with Citi Prestige because of all the money it’s saved me in the few months I’ve had it.

Current Citi cards I have and want

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10,000 Citi ThankYou points for catching a site error

Citi’s been hit-or-miss with peeps calling in about various website errors recently.

Doctor of Credit shared an experience about getting a 5,000 bonus Citi ThankYou points because the Citi Prestige application site showed an error on earning 3X ThankYou points on all travel purchases including gas.

Error alert!

Error alert!

It actually earns 3X points on airfare and hotel purchases, not travel broadly defined – probably my only complaint on this otherwise incredible card. (Here’s how much I’ve saved I picked up the card in November 2015. And it’s available via my links if you decide to apply.)

How I got 10K points

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Booking Barcelona: Citi Prestige + Hilton Diamond at Alexandra DoubleTree

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The hotel stay for Barcy is all set. And, I booked it – again – with Citi Prestige. I wrote about my first experience booking a hotel room it for Martinique.

View Additional Airline & Frequent Flyer Credit Card Offers Here

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Gonna eat the hell out of that free breakfast

I settled on the Alexandra Barcelona, a DoubleTree by Hilton Hotel.

I’d originally booked the Hilton Barcelona as a Points & Money reward.

Why the switch?

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PayPal My Cash Cards With Credit Cards at CVS Still Working, but YMMV

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Out and Out reader Jack commented:

Had trouble today for the first time loading my PayPal my cash card with a credit card at CVS.

Once the lady scanned the PayPal My Cash card the computer prompted her as CASH ONLY. She refused my credit card.

Did they finally hardcode?

I wanted to follow up because I had a similar experience here in New York City.

I went to a CVS on Houston Street, handed over 2 PayPal My Cash cards, and requested $500 on each, for a total of $1,007.90 after activation fees.

The cards scanned without a problem, and the total popped up.

I swiped my new Citi Prestige card, hoping to help meet the $3,000 minimum spending requirement this way, and then pay with rent with RadPad and the PayPal Business Debit MasterCard.

Like Jack, I got a similar prompt on the register. I asked if she wouldn’t mind just trying to swipe the card. It wasn’t declined. It simply didn’t process.

She said it looked like cash only – no credit cards allowed.

So I set out to try a store in southern Illinois over the Thanksgiving break.

Success! But it’s very YMMV

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Booking Martinique: My Experience With Citi Prestige Concierge and 4th Night Free Benefit

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I’ve been getting to know the ins and outs of my new Citi Prestige card, including the perk I was most excited about: the 4th night free benefit.

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Yeah, I could deal with that

Here’s how it all worked with getting the 4th night free in Martinique, where I plan to visit in February thanks to Norwegian’s new non-stop service from JFK (and Boston and BWI!).

Finding the hotel

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Just Booked: Martinique $317 Round-Trip and Non-Stop on Norwegian

Hot off the heels of my trip to Barcy in January, I’ll be heading to the French Caribbean island of Martinique in February 2016!

So excited!

So excited!

There’s quite a good sale going on right now, and as I looked through the fares a few weeks ago, I thought wow, these will sell out quick!

But, they didn’t. And when I saw the fares start to increase, I pulled the trigger on this one.

The flights are wide open

The flights are wide open

I usually wouldn’t book 2 trips so close together, but this sale, combined with the $250 airline credit on my new Citi Prestige card, formed a perfect storm of BOOK THE TRIP.

Why I did it

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I’m Prestigious! Getting Citi Prestige and First Impressions of the Card

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I got my Citi Prestige card this week and wanted to share the experience. Because it was an experience getting this card.

And I can’t wait to dig in to to all the perks this card has to offer!

Here are my first impressions and things I noticed right away.

The 2-package process

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Citi Smart Savings Are Here!

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I wrote before about seeing hints that Citi might compete with AMEX Offers “soon.”

Looks like it’s here!

This is the first I’ve seen of this, so I’m excited to see what Citi will continue to do with Citi Smart Savings offers.

Here’s what I got on my accounts.

What’s Citi Smart Savings?

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Citi Prestige: No Luck Getting a $350 Annual Fee In-Branch, and Why to Apply ASAP

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Wanted to share my experience about trying to get a reduced annual fee on the Citi Prestige card.

Like lots of peeps, I’ve been kinda/sorta intrigued by this card for a while now. Today, I woke up and decided I’d go apply in-branch. Because I’ve heard some folks have had luck getting a $350 annual fee as opposed to a $450 annual fee, which is obviously awesome and preferable.

So I strapped on my little booties and walked down to the branch on 86th St in Bay Ridge, Brooklyn.

I waited to speak with a banker and started it off with, “How much is the annual fee on the Citi Prestige card?”

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