resolution
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Joined: Dec 20, 2010 13:09:56 GMT -5
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Post by resolution on Jul 15, 2019 15:20:28 GMT -5
I have been happy using my Citi Double Cash card (with 2% cash back) for a number of years. This week is the first time I have needed to use any of the card travel benefits, but I had a problem on a trip and incurred additional hotel and flight charges due to weather cancellations.
This is actually the first time I have ever needed to use that type of benefit on any credit card, in about 30 years of using credit cards. When I logged in to look for instructions, I found that Citibank is cancelling most of their card benefits in September.
I have mixed feelings about this and not sure if I should look for another card. I have only rented a car a handful of times, but it was nice not to pay extra for insurance. Does anyone have a great card that pays 2% and still offers all the normal benefits?
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Deleted
Joined: Apr 18, 2024 21:32:45 GMT -5
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Post by Deleted on Jul 15, 2019 15:33:53 GMT -5
I don’t think those are normal benefits anymore.
I like the Uber Visa, 4% on bars/restaurants, 3% hotels/airfare, 2% online purchases.
I hated Citi double cash, I got declined over and over on the most mundane purchases.
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Deleted
Joined: Apr 18, 2024 21:32:45 GMT -5
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Post by Deleted on Jul 15, 2019 15:35:52 GMT -5
I have two cards that pay 2%, but I have no idea what the travel benefits are. The one is Barclay Priceline and the other is Fidelity Rewards card. This is what they list for the Fidelity card. Card Benefits for Better Living3
2 Points for every eligible net dollar spent Every $2,500 spent equals a $50 deposit into your eligible Fidelity account1 No annual fee No reward caps or limits, and your Points will not expire Choose from Fidelity Rewards – cash deposits into up to five eligible Fidelity account(s), or redeem your Points toward travel, merchandise, gift cards, and statement credit.1 No preset spending limit4 24/7 cardmember support 24-hour Visa Signature® Concierge5 service Signature privileges, including travel, dining, sporting, entertainment and shopping offers and savings Auto rental collision damage waiver Emergency cash and card replacement Travel and emergency assistance services Lost luggage reimbursement Travel accident insurance Roadside dispatch
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Deleted
Joined: Apr 18, 2024 21:32:45 GMT -5
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Post by Deleted on Jul 16, 2019 8:22:47 GMT -5
I have the FIdelity card but I buy travel insurance for big trips anyway. The fine points of the travel coverages can change, as you pointed out, and depending on the trip, I may need different features. I ALWAYS want good coverage for the major stuff- evacuation from some mountain if I fall off of it, a large medical expense limit (I'm on Medicare and it doesn't cover outside the US), a generous amount for possible extra expenses if I get to the port for a cruise too late, etc. I never cut it close with cruises- typically I arrive the day before and don't schedule short connections- but I'm a worrier when it comes to travel. Really good policies will even pay for a friend or family member to travel to your location and accompany you back home if you need help.
Much of the "travel assistance" is just a hotline referring you to selected English-speaking local doctors- a good start, but you're on your own for paying the bill. I'd look carefully at the "travel accident insurance" section to see what the limits are. (And note that might exclude coverage for food poisoning.)
Having said that- I may go for the Chase Sapphire Rewards card when I my AA MasterCard. Got the bonus on the MC and they dropped the 10% rebate on miles redemption, which would have been valuable for my planned trip to Europe next year in Business Class.
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resolution
Junior Associate
Joined: Dec 20, 2010 13:09:56 GMT -5
Posts: 6,965
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Post by resolution on Jul 16, 2019 19:53:01 GMT -5
I have the FIdelity card but I buy travel insurance for big trips anyway. The fine points of the travel coverages can change, as you pointed out, and depending on the trip, I may need different features. I ALWAYS want good coverage for the major stuff- evacuation from some mountain if I fall off of it, a large medical expense limit (I'm on Medicare and it doesn't cover outside the US), a generous amount for possible extra expenses if I get to the port for a cruise too late, etc. I never cut it close with cruises- typically I arrive the day before and don't schedule short connections- but I'm a worrier when it comes to travel. Really good policies will even pay for a friend or family member to travel to your location and accompany you back home if you need help. I usually buy travel insurance for big trips, but this was just supposed to be a long weekend in Quebec City. I guess I didn't take it as seriously as I should have, because I ended up stranded in Toronto and had to buy new airplane tickets and a second hotel stay. I know Canada is a foreign country, but I guess I took it for granted all those smiling, polite Canadians. I am still on the fence if the travel/rental car benefits are worth changing credit cards or just stick with my current card and be more mindful of contingency planning.
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