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The Citi Prestige Card has been the ‘it’ card for the past year. It’s chock full of benefits. Citi has built a premium card to surpass others at the price point. It’s built a transferrable points program, let you use the points at a strong value towards paid airfare, and bundled not just traditional benefits like lounge access but unique benefits like VIP treatment at restaurants and free golf. Here are the 15 things that I love about it.
The card earns triple points on air and hotel spend, and double points on dining and entertainment. It has great airline transfer partners. There’s a $250 airfare credit that you can use buying tickets (no messing around with gift cards). You get American Airlines lounge access when flying American same day, and a Priority Pass Select card with unlimited visits and 2 free guests each time. You get free golf and fourth night free on hotels booked through the card’s concierge.
Etihad Airbus A380 First Apartment. Etihad is a Direct Points Transfer Partner
The travel protections are outstanding, too. I love the trip delay coverage. This is the best card to use to buy airline tickets. The Citi Prestige Card will cover up to $500 in expenses when you are delayed 3 or more hours. You must be on a round trip ticket (trip not to exceed 60 days) and have charged the full cost of your ticket to the card. The $500 benefit applies to each spouse (or domestic partner) or dependent (under 19) that’s delayed whose ticket you charged to the card.
Today Citi emailed out notice that effective May 15 a new travel benefits guide goes into effect and as far as I can tell the changes are all actually quite good.
Car Rental Damage Improvement
Outside the U.S. coverage is primary for up to a 31 day rental and up to $100,000 (it’s secondary on rentals in the U.S.).
The policy is explicit that it applies even when you use discount codes to reduce the price of the rental as long as the balance of the rental is paid with the card.
Trip Delay and Cancellation Improvement
The card provides you with trip cancellation coverage and also trip delay coverage. The improvement here is that the coverage applies not only to tickets paid entirely with your card, but now also to tickets paid in part with your card — although in that case you’re covered only up to the amount you actually paid with the card. (Up until now I relied exclusively on the Chase Sapphire Preferred Card for this benefit.)
The most common situation where you’re paying only part of the cost of a ticket with a card is either:
- where you’re paying with gift cards
- Where you’re paying with miles
Note that paying with the ThankYou Points earned with the card is treated as paying for travel entirely with the card. So this is about where you’re booking an award ticket or paying with some other points for your ticket.
If you’ve only got $5 or $10 in security taxes on a domestic award this change isn’t much help.
But imagine you’ve got an international trip with high airport taxes — a UK award may cost you $250 out of pocket, so your coverage for things like a hotel room and meals in the event of a travel delay would be capped at that $250. And if you’re booking an award with fuel surcharges, you may be traveling in a premium class of service on miles but coming out of pocket $1000. In which case you’re unlikely to hit the limitation.
So you can now use the Citi Prestige Card to pay taxes and fees on your award tickets, earn triple points, and still enjoy things like trip delay coverage. Got a delayed flight? Save your receipts and ring them for a reimbursement claim when you get back from your trip.
More Covered People
It used to be that travel benefits like delay and cancellation were limited to the primary and secondary cardholders on the account, the accountholder’s spouse or domestic partner, and their children 18 years old or younger.
That means if you bought a ticket for friends, or a significant other that wasn’t a domestic partner, their travel wouldn’t be covered.
Now they cover a much broader array of people. Trip cancellation and delay and lost and delayed baggage coverage now applies to your travel companions as well as to a fiance, the children of a domestic partner, in-laws (siblings, parents, children), grandparents, grandchildren, uncles, aunts, nieces, and nephews. I hope you’ve got a big family!
Extended warranty coverage now adds 24 months of coverage onto a manufacturer’s warranty instead of 12 months. And purchase protection has gone from 60 days to 90 days.
Are there other improvements I’ve missed? I didn’t notice a single negative change. This is awesome.