Tag: insurance

Citi Prestige: What Changed, What Didn’t, And What It All Means

The Citi Prestige card. Either you think it’s one of the most valueable cards out there or you don’t understand why people love the card so much. I’d say that I’m in the first camp. I appreciate the unique perks the Prestige provides and keep the card because it’s easy for us to end up making money without much effort or having to change our travel preferences.

In October 2018, Citi announced a major revamp to the Prestige card. Several of the changes went into effect on January 4th. Since many of these changes are major improvements to the card, it has earned a permanent slot back in my wallet. Here’s a list of things that have changed already, what changes are coming down the road and what hasn’t changed.

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Why I Choose To Earn Fewer​ Points On My Cell​ Phone Bill Each Month

Earning points on recurring charges, like your cell phone bill, is an easy way to build your balances without much effort. All you need to do is set up a monthly payment with the card you have that earns the biggest bonus for that category and you’re set. I have a card that earns 5x points on telecommunication charges, so why would I willingly choose to pay my bill each month with a card that earns less?

When making decisions like this, I rarely just pick the card that earns the most points. While that’s a major factor in my decision, there are several other things that can influence me to use another card. As I’ve written before, I’m generally a risk-averse person and if I have to give up a few miles here and there for a little piece of security, that’s a choice I’ll usually make.

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I’ll Take Better Coverage Over More Points

For those who collect (and spend) points and miles, deciding which credit card to use when making a purchase is a straightforward process. For most, the card providing the largest return is the one you’ll use. There are some calculations to do considering how much each different point is worth to you but for the most part, the card with the biggest return wins.

If you’re thick into the weeds of maximizing return, you might know of a workaround to get even more points. You may be able to buy a gift card at Staples for 5x points or you might just pick up a discounted gift card on eBay to save 10%. Don’t forget to use a shopping portal for extra points.

For me, there’s one more thought that I need to consider; what card will give me the best insurance coverage for this purchase. It’s not a popular stance, but I’ll give up points for better coverage. Here’s some of the categories where coverage matters to me.

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Five Reasons I’m Glad I Kept The Citi Prestige Card

On October 22, information about major changes coming to the Citi ThankYou  Prestige card started to show up around the internet. Over the next two days, several different variations of new card benefits and changes  were put out there. While most of them were accurate, others were not so much. I generally don’t like to write about a topic until the dust settles and details are confirmed but we’re at a point now where I can look at what’s reportedly going to happen to the Prestige card and how it will affect me. At first review, I’m really happy about the changes. The Prestige was on my list of cards on the chopping block at this year’s renewal but now it’s a keeper. These changes also make me feel better about my choice to cancel my AMEX Platinum earlier this year.

Here are five reasons I’m glad I kept the Citi Prestige card:

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