I’ve been tossing around the idea of getting a new card and abandoning my antiquated Citi Professional card. I mainly just carry that around because I used to have another card on Thank You points as well and I liked it for the cash back on Avis rentals and Fuelman Network gas. It also acted as primary insurance on rentals. I’m usually covered under my corporate insurance, but the less often I have to deal with my accounting department the happier I am.
What I want:
- No Forex
- Rewards that are redeemable for cash or gift cards at the same or better value than Thank You points
- Points transferable to my existing programs (Delta, United, Hilton, Marriott, Priority Club)
- No annual fee
What I got:
- No forex
- Rewards that appear redeemable for cash or gift certificates at the same value and at a better (per point) value than TYP
- Points transferable to British Airways, Continental and United, Korea Air, Hyatt, Marriott, Priority Club, and Amtrak.
- $95 annual fee waived the first year.
Dr. Credit Card has a nice table
breaking down the differences between SPG, AMEX MR, and Chase’s UR
Not really all that remarkable of a program considering I’d lose the Master Card money I get back from Avis and I usually expense my forex fees so I’ll only save that on personal trips.
No forex fees is already a feature on many free cards out there. Chase’s Ultimate Rewards also exists on many other cards and the JPM doesn’t have all that stellar of a bonus (since I will most likely not hit the $100,000 threshold for the 25,000 point bonus).
I pretty much just got the card because I like to be an early adopter of new things so I really wanted a forex free chip/pin card (and chip/signature will have to do in the mean time).
Now that I’m back to getting instant approval for credit cards I think I may change things up fairly regularly like a good point whore should.
I will most likely change up my mix a bit. Currently I do:
HH Amex Surpass for business expenses except rentals
Citi Professional (not accepting new applicants for a while) for car rentals due to primary insurance and 5% rebate on Avis rentals
Citi HH Visa for personal expenses
I love Hiltons, especially for domestic trips, but I found I really needed points in other hotel programs when I was in Europe this year. So I’m thinking:
JPM for non-Hilton hotels, auto rentals
HH Amex Surpass for Hiltons and other business travel expenses (mainly restaurants and refueling rentals)
Citi HH Visa for personal expenses.
and I’ll just relegate the Citi Professional to the sock drawer since Citi won’t increase my limit on it.
In a couple months I’ll see what’s going on and I might change the mix again.