Citi Cutting Key Benefits on September 22, 2019

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Citi is cutting key travel and purchase protection benefits across its entire range of rewards cards. In June 2019, Citi emailed cardholders to disclose the benefits which are being cut from each card. The changes are broad and affect many popular Citi rewards cards like the:

Citi has long been the go-to card issuer for select travel and retail purchases thanks to its stellar trip delay policy, trip cancelation & interruption coverage, and post-purchase retail benefits like Citi Price Rewind. With Citi making such sweeping changes to travel and purchase protections, we want to revisit some of Citi’s more popular benefits and recommend the best alternative cards so you're covered after the changes go into effect on September 22, 2019.

Best card for travel insurance

Citi Benefits No Longer Available from September 22, 2019

From 09/22/2019, the following benefits will disappear from Citi cards across the board:

  • Worldwide Car Rental Insurance
  • Trip Cancellation & Interruption Protection
  • Worldwide Travel Accident Insurance
  • Trip Delay Protection
  • Baggage Delay Protection
  • Lost Baggage Protection
  • Medical Evacuation
  • Citi® Price Rewind
  • 90 Day Return Protection
  • Missed Event Ticket Protection
  • Roadside Assistance Dispatch Service
  • Travel & Emergency Assistance

In addition to the above benefits, the Citi Double Cash and Citi® Dividend Card lose:

  • Extended Warranty
  • Purchase Protection

While no card escapes the cuts completely, the Costco Anywhere Visa® Card by Citi is the card least affected. Losing only the headline Citi Price Rewind and Trip Interruption & Cancelation coverage. But, retaining many of the benefits lost by other cards.

The Citi Costco card will still offer the following benefits:

  • Worldwide Car Rental Insurance
  • Worldwide Travel Accident Insurance
  • Roadside Dispatch Service
  • Damage & Theft Purchase protection
  • Extended Warranty

How to Retain Travel and Purchase Protections

We’ve put together a dedicated post for each of the card benefits listed below, so be sure to check out the complete guides for more details on the policies for each bank. In today’s post, we’re highlighting one of the top cards for each category, but there are often several options with comparable coverage.

If you're looking for a single card to maximize coverage, Chase has emerged as the new industry leader for travel and purchase benefits.

Here's a quick list of our complete guides:

Primary Rental Car Insurance

With Citi’s exit, the list of cards offering primary rental car coverage is now dominated by Chase cards. The Chase Sapphire Preferred® Card tops our list of the best cards for primary rental insurance. If you’re renting for business purposes, the Ink Business Preferred℠ Credit Card is a great alternative.

Ink Business Preferred℠ Credit Card
Ink Business Preferred℠ Credit Card
Annual Fee$95
Welcome Offer Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
  • 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
  • 1X point per $1 on all other purchases

Trip Cancellation & Interruption Protection

The Chase Sapphire Reserve® and Sapphire Preferred offer the best trip interruption & cancelation policies, providing up to $10,000 per person for each covered trip (maximum $20,000 per trip and $40,000 per year). If you're looking to minimize your costs, the Sapphire Preferred provides the same coverage at less than a quarter of the annual fee.

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Annual Fee$95
Welcome Bonus Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Our #1 recommended beginners rewards card featuring a 60,000 point signup bonus after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 2X points on travel and dining at restaurants worldwide
  • 1X point per dollar spent on all other purchases

Trip Delay Protection

For years, the Citi Prestige® Card provided the best trip delay reimbursement policy, covering delays as short as 3+ hours. However, Citi now joins Amex on the sidelines, and the best trip delay policy is essentially a one-horse-race. The Chase Sapphire Reserve® now provides the top trip delay policy, with coverage kicking in after delays of 6+ hours, capped at $500 in expenses.

Chase Sapphire Reserve®
Chase Sapphire Reserve®
Annual Fee$450
Welcome Bonus Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Chase's flagship Ultimate Rewards card. You get a $300 travel credit, airport lounge access courtesy of a Priority Pass membership and industry-leading travel insurance benefits. New cardholders earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening..
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✔®
  • 3X points on travel immediately after earning your $300 travel credit
  • 3X points on dining at restaurants
  • 1 point per $1 spent on all other purchases

Baggage Delay Protection

Again, the Chase Trio of the Sapphire Preferred, Sapphire Reserve, and Ink Preferred provide the top policies for baggage delay protection. Plus, you'll also find this valuable coverage on co-brand Chase cards like the The World Of Hyatt Credit Card. Coverage kicks in after delays of 6+ hours and provides up to $100 per day for a maximum of 5 days (max $500).

The World Of Hyatt Credit Card
The World Of Hyatt Credit Card
Annual Fee$95
Welcome Bonus Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.
  • Earn 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 25,000 Bonus Points after you spend $6,000 total within 6 months of account opening.
  • Free nights start at 5,000 points
  • Receive 1 free night at any Category 1-4 Hyatt hotel or resort after your Cardmember anniversary
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Elite status and 5 qualifying night credits every year as long as your account is open
  • Earn 2 qualifying night credits towards tier status everytime you spend $5,000 on your card
  • Earn 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • 9X points total per $1 spent at Hyatt - 4X points per $1 when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member
  • 2X points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • 1X point per $1 everywhere else

Lost Baggage Protection

One of the few travel protection policies where American Express leads the pack, Amex includes lost and damaged luggage insurance across 40+ cards, although coverage differs from card to card. For example, The Platinum Card® from American Express provides up to $3,000 per person for carry-on baggage, up to $2,000 per person for checked baggage, a maximum benefit of $1,000 on high-risk items such as jewelry, sporting equipment, and electronics; claims cannot exceed $3,000 per person total per covered trip (Terms Apply).

The Platinum Card® from American Express
The Platinum Card® from American Express
Apply Now
Rates & Fees
(Terms Apply)
The Platinum Card® from American Express
Annual Fee$550
Welcome Bonus Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • Rates & Fees
  • 5X points on flights booked directly with airlines or with American Express Travel, and on prepaid hotels booked on amextravel.com

Price Protection

This benefit has taken a hammering in recent years. Late in 2018, Chase removed price protection from all Visa cards. And, with Citi pulling the pin on Price Rewind, there are now just a handful of cards that offer price protection benefits. Our ‘best-of-the-rest’ pick for price protection is the Capital One® Savor® Cash Rewards Credit Card, which provides up to $250 per item and a maximum four claims in 12 months per account, with a claim window of 120 days from purchase.

Capital One® Savor® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit Card
Annual Fee$0 intro for first year; $95 after that
Welcome Offer $300 Cash Back after you spend $3000 on purchases within 3 months from account opening
  • $300 Cash Back after you spend $3000 on purchases within 3 months from account opening
  • 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • Plus, earn 8% cash back on tickets at Vivid Seats through May 2020
  • No foreign transaction fees
  • $0 intro for first year; $95 after that
  • 4% cash back on dining and entertainment
  • 2% at grocery stores
  • 1% on all other purchases
  • Plus, earn 8% cash back on tickets at Vivid Seats through May 2020

Return Protection

Although Chase removed this benefit from the majority of rewards cards in 2018, return protection is still available on the Sapphire Reserve, which provides up to $500 coverage per item, up to $1,000 per year. Amex offers this protection across a broader range of card products, with almost every Amex card listing return protection of up to $300 per item, up to $1,000 per year.

American Express® Gold Card
American Express® Gold Card
Apply Now
Rates & Fees
(Terms Apply)
American Express® Gold Card
Annual Fee$250
Welcome Bonus Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • Rates & Fees
  • 4X Membership Rewards® points when you dine at restaurants worldwide.
  • 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
  • 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
  • 1X on other purchases
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.

Roadside Assistance

Chase and Amex both provide extensive policies for roadside assistance, but the United Explorer cards from Chase top the list due to their comparatively low annual fees. While Amex restricts this perk to high annual fee cards, the two Explorer cards provide complimentary coverage with annual fees of less than $100.

United℠ Explorer Card
United℠ Explorer Card
Annual Fee$0 introductory annual fee for the first year, then $95.
Welcome Bonus 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✔® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
  • 2X miles per $1 spent on purchases from United
  • 2X miles per $1 spent at restaurants and on hotel stays
  • 1X mile per $1 spent on all other purchases

Extended Warranty

Citi may be pulling extended warranty coverage from the Citi Double Cash and Citi® Dividend Card. But, it still maintains one of the best extended warranty policies across the rest of the Citi rewards card portfolio. Both Amex and Citi will now extend warranties on new purchases up to a total of seven years.

Citi® / AAdvantage® Executive World Elite™ Mastercard®
Citi® / AAdvantage® Executive World Elite Mastercard®
Annual Fee$450
Welcome Offer Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
The AA Executive Card card is by far the most cost effective way to gain access to American Airlines Admirals Club lounges. Even better, you can extend the benefit to up to 10 authorized users on your account at no additional cost. In addition, this card offers a free checked bag, on domestic AA flights, priority checkin and boarding, and a credit for Global Entry or TSA PreCheck.
  • Complimentary Admirals Club membership for the primary cardholder
  • Complimentary Admirals Club membership for up to 10 authorized user accounts
  • No charge for authorized user accounts
  • Reduced Mileage Awards can save you 7,500 miles on roundtrip MileSAAver Awards
  • First checked bag free on domestic AA flights for you and up to 8 companions
  • Priority check-in, TSA screening lines, and boarding
  • 10,000 bonus Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • Global Entry or TSA PreCheck credit
  • No Foreign Transaction Fees
  • Earn 2X miles for every $1 spent on eligible American Airlines purchases
  • Earn 1X mile for every $1 spent on all other purchases
  • Earn 10,000 AAdvantage Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year

Purchase Protection

American Express provides the most comprehensive purchase protection, with policies applying across more than 50 Amex cards in one form or another. Purchase protection allows you to seek reimbursement for a recent purchase if the item is stolen or damaged; a typical policy will cover you for 90 to 120 days after your purchase.

The Business Platinum® Card from American Express
The Business Platinum® Card from American Express
Apply Now
Rates & Fees
(Terms Apply)
The Business Platinum® Card from American Express
Annual Fee$595
Welcome Bonus Welcome Offer: Earn up to 100,000 Membership Rewards® points. Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Welcome Offer: Earn up to 100,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms Apply
  • Rates & Fees
  • 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year
  • 1X point on other purchases
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.

Final Thoughts

Citi’s benefit cuts are a huge devaluation for their portfolio of cards. We’re especially surprised to see these changes affecting premium travel cards like the Prestige Card and Citi Premier, which cardholders have come to associate with specific benefits such as trip delay and baggage delay. Since travel coverage requires you to use your card for (at least a portion of) the purchase, it becomes a lot harder to justify using the Prestige Card to earn 5X on airfare.

Our recommendation? If you are unhappy with the changes, let your wallet do the talking and move your spending to other cards. Chase continues to offer top travel and purchase protection benefits across almost its entire range of rewards cards. And both Amex and Capital One help fill the gaps in Chase’s coverage. If you have any questions about the upcoming changes to Citi cards, or which card is the best replacement for your Citi card that is losing its benefits, get in touch via the comments below.

For rates and fees of the cards mentioned in this post, please visit the following links: The Platinum Card® from American Express (Rates & Fees), American Express® Gold Card (Rates & Fees), and The Business Platinum® Card from American Express (Rates & Fees)

Citi Cutting Key Benefits on September 22, 2019
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Comments

  • Will trip protection still apply where the trip has already been paid with the Citi card?

  • I agree with your suggestion. Can’t stop Citi from eliminating benefits, so the best thing to do is show them that actions have consequences by shifting spending to other cards.

  • It might be a very short blog post to list what benefits remain on Citi’s cards

  • With their liberal card bonuses, Citi was great while it lasted. The Cobranded Sears Mastercard still seems to be liberal with it’s spending bonuses.

  • Steven William Van Meter says:

    I find it a bit difficult to justify when considering the necessity to dedicate a large portion of the spending on travel itself. A bit hard to swallow.

  • Wow! It almost seems like there is no point in having these Citi cards anymore. Too bad but definitely good to know so we can continue to choose the optimum cards for purchases. Thanks

  • This is terrible for these cards, but it was nice while it lasted.

  • Will drive more business to the CSP and CSR.

  • I would like to know how much money they would save from eliminating the insurance benefits.

  • It’s pretty distressing that Citi keeps cutting benefits. Has anyone gotten any retention offers by complaining about these changes? I keep forgetting to call and try. On the bright side, I can attest to the quality of car rental coverage with the Chase Sapphire Preferred. I was recently completely covered for a blown tire and rim damage in Albania/Kosovo, which was a pleasant surprise.

  • Removal of benefits and protections, is never a positive change, but truthfully, I’ve never utilized any of the items which Citi is removing. What I will do going forward, however, is place less everyday spend on Citi cards, and instead put them in the sock drawer after meeting the sign-up spend requirement.

  • Wow isn’t this basically cutting all benefits from the cards except the ability to earn points?
    I’m not sure if I understand what on Earth Citi is doing here…

  • Removal of these benefits will not be a good thing for them long term. With other cards offering them, I would chose them over Citi now.

  • My citi double cash back card just became a sock drawer card! Thanks for outlining choice of replacements.

  • stephen whitehurst says:

    That is some removal of benefits. If I had one of those accounts it would be time to look and switch to an alternative. Pretty certain will lose a number of customers with is change.

    • Not to mention the loss of would be customers. I was on the verge of opening a DoubleCash and a premium card but not anymore.

  • Wow. Looks like Citi has enough credit card clients for now, and are willing to give up some benefits and market share.

  • Thanks for the reminder.

  • I think Chase did not give enough advance notice concerning such monumental changes.

  • ron_vaughn@hotmail.com says:

    Citi is leading the way…downhill.

  • This post was well timed for me. I forgot that Amex offered delayed bag protection. My sons luggage was lost on a trip we charged to Amex. I’m going to have to look into their rules and how to apply, since Brussels and Lufthansa are not doing anything.

    Poop on Citi for taking that away, among other very important overages. I wonder why they are doing it and if they will add it back if they see a big cost loss.

  • Steven William Van Meter says:

    I think that they have really become an industry leaser. When you take into account the list of perks provided, it’s easy to see this is worth giving serious consideration.

  • These are significant changes and loss of benefits. I imagine many customers will vote with their feet and leave Citi in search of better options.

  • Altough not welcome, benefits cutting of are part of the game. Citi abandoned operation in some countries and seems to be figthing to reduce costs in order to survive as big bank but sometimes decisions seems to be a shot in the feet. Results in future will show if it’s sucessful otherwise they would review these decisions and revert it.

  • I guess that you cannot have it all; you either choose bonuses or travel protections.

  • Citi will have consequences if they keep cutting….. it won’t remain competitive if it continues

  • Steven William Van Meter says:

    It seems that with Citi out of the game, the primary rental car coverage is now dominated by Chase cards and Chase alone. If you rent like I do, the options are clear…

  • I enjoyed the benefits while they lasted; saved a ton of money with the 4th night free benefit. Citi will probably get my dining spend but nothing else going forward. Now what to do with my points? I’ve amassed 300k but I’m not excited about any of their transfer partners. May end up transferring to Premier card and use for travel at .0125 per point.

  • I purchased my iPhone with my Citi Premier. Will the extended warranty remain in effect?

  • Really bad change. Folks will choose Amex as they have some of these benefits.

  • I’m sorry to hear about this. I will definitely be using my Citi cards less as a result.

  • Thanks for the summary. I for one haven’t had to use these benefits, but was always contemplating a Citi card. Easier decision now to just keep away.

  • It seems like a move that many companies are adopting. Bad news for all users that could unite to protest…

  • I have been a long time Citi AAdvantage World Mastercard and I am so disappointed in the changes. I used so many of them all the time. The only reason I want to hold onto the card is to keep miles from expiring should I not travel on AA in that year. Can someone please weigh in on this. I know there are other ways to earn miles to keep them from expiring but I am scared of the unknown!! LOL and I do like the benefits that come with the card of not paying to check luggage and priority boarding. Since I am not loyal to one airline and I am more loyal to saving money, would that make me a good candidate for a non-airline branded card?

  • This is a bummer.

  • Katherine Siegel says:

    We’ve used the Citi Premier Thank You Card for travel for many years, but won’t be using it anymore. I can’t imagine why they’ve done this! We recently got the Alaska Visa, which has many of the same benefits, and will be using that one.

  • If a car rental was paid in full prior to 9/22/19, will CDW still be covered when car is rented in January 2020 in Hawaii?

    • As long as the transaction happened before 9/23, you should be covered. However, I’ve noticed that making a reservation often doesn’t trigger the charge (unless you have a prepaid rate). If the rental cost isn’t already billed to your card, I’d recommend looking to pay at the counter with another card like the Chase Sapphire Preferred or Reserve.

  • Is there any other American Airlines co-branded card with better benefits than Citi? Or a better strategy for airline miles?

  • So… I use the Costco CITI card for travel expenses- somehow this benefits change was new to me. Upon logging on to my account, the car rental insurance coverage benefit is still showing as available (9.23.19). Since this contradicted the article’s information, I called CITI to inquire- I was told the car rental benefit is intact- what *was* canceled was the trip interruption coverage.

    You might want to investigate and correct your blog information as appropriate.

    Thanks!

    • Thanks for the information. We’re getting all kinds of conflicting reports. It seems Citi didn’t bother to educate their reps on what is being eliminated. We’ll keep investigating and update the post as we get more clarity.

    • Thanks Steve, have updated the post info for the Costco Visa rental car cover. Can you confirm if you still have access to Citi Price Rewind on the Costco Card? The info we were provided states:

      “Citi continuously evaluates our products to ensure that associated benefits best meet the needs of our customers. Due to sustained low usage, we will no longer offer select credit card benefits such as Citi Price Rewind and Trip Cancellation & Interruption Protection as of September 22, 2019 so that we can continue providing key benefits our customers use and value most at no additional cost.”

  • Can you imagine the insurance cost savings? In one way I’m not surprised, the airline industry just cant prevent all the delays, lost baggage etc, so once again, we the consumer – PAY THE PRICE!

    Citi Prestige did just grant cellphone insurance. We will see how well it works. One of my kids had iphone 7 knocked from hand by security guy at baseball game, didnt apologize, screen completely destroyed, luckily the digitizer was ok, so we filed a claim for repair. Keeping my fingers crossed!

  • The only reason i used the Citi Advantage Card for everyday spend is to accumulate Frequent Flyer Miles for short notification air travel. Are there any other airline cards good for Frequent Flyer points accumulation?

  • Wow. Thanks for this information. Away from Citi and toward Chase. I can’t believe Citi is doing this.

  • Aaron Benner says:

    Is the Citi Costco card losing all these benefits as well?

    • No, Costco card is losing only Price Rewind and Trip Cancellation/Interruption. Other benefits should still be available, including:
      – Worldwide Car Rental Insurance
      – Worldwide Travel Accident Insurance
      – Roadside Assistance Dispatch Service
      – Travel & Emergency Assistance
      – Damage & Theft Protection
      – Extended Warranty
      – FICO Credit Score
      – Citi Identity Theft Solutions
      – Citi Entertainment

  • Maybe there are too many insurance claims?

    • That’s likely part of the story, as removing benefits is usually about reducing costs. But, I always assumed the overwhelming majority of cardholders didn’t use or even know about insurance benefits. So, it’s surprising to me.

  • The statement that only the Citi Double Cash and Dividend cards would be losing extended warranty protection conflicts with what Citi has told me, though I’ve gotten conflicting information from them. Someone I spoke to at Citi’s benefits department a week or so ago told me that the Double Cash card would retain the warranty benefit, which obviously turned out to be incorrect. Just today two other representatives at Citi told me the benefit was discontinued for all their cards.

    I have the Double Cash card and I’m looking for something to replace the warranty coverage, so if anyone has a different Citi card and could check if that benefit still exists, or if AwardWallet could look into this further, I’d really appreciate it. I’m also not finding a comparable benefit (two years of coverage regardless of the manufacturer warranty) anywhere else, but wondering if I’m missing anything.

  • Disappointed as Citi as long time Citi Thankyou card holder.. Thanks for sharing the info.

  • Haven’t been a fan of Citi since they suddenly cancelled my card for no reason.

  • With the DoubleCash turning into a Thank You Point card, I was considering adding another currency to my portfolio but with changes like these, my decision has now been made. Pass.

  • Hopefully the rumor that they are switching to Visa is true. It would make sense since the Costco card is the only one that still has benefits

  • Hi Jess, just curious why you haven’t approved my comment regarding Chase’s inferior Trip Interruption coverage? It’s important that your readers understand this key exclusion in Chase’s coverage.

    https://4wornpassports.com/beware-chase-card-travel-insurance/

    • Hi Kellie, what credit card insurance will cover buying a new flight when your trip is interrupted? I definitely appreciate the insight, but it seems there may not be any alternatives unless you want to buy a separate travel insurance policy. Please share if you know any options.

      Credit card insurance also doesn’t cover healthcare, so that is another reason to consider a separate policy.

      • The Citi card did provide additional transportation costs (in line with the industry standard) which is why it is particularly sad that they have dropped the program. You’re absolutely correct that people should purchase a separate travel policy now because the current Chase benefits are not a suitable replacement for travel insurance.

  • i guess i will stay with my american express that has most or all of their benefits

  • Just saw Amex is adding travel insurance, so that’s a good alternative.

  • The Citi card provided Additional Transportation expenses under their Trip Interruption coverage. It is THE key component of Trip Interruption that makes it different from Trip Cancellation, which is why Chase should stop claiming to provide Trip Interruption coverage. Sadly, your readers won’t know what’s missing until they get jammed up on a trip if they are counting on their Chase card to help out in a travel crisis.

    Based on my research, there are currently no credit cards that are suitable replacements for a separate travel policy. This is why it is especially sad that Citi is dropping this coverage.

  • Yep, time to consider moving on from Citi. Two questions come to mind:
    1. Will Citi repay part of the hefty annual fee paid for the Prestige since they have removed the reasons for applying?
    2. What would you do with the points in your account? The transfer partners seem mostly poor choices.

    • Worth a try. Complaining about lost benefits is a great way to get fees rebated or extra points added to your account. You definitely want to transfer miles out if you plan to cancel the card.

  • As I read the info sent to me regarding the loss of warranty coverage on my AA Citi Platinum card, it seems like coverage will continue for prior purchases, but only if the card remains active. This means, even if you don’t want to use the card anymore, you’ll still have to decide whether or not paying the annual fee each year to keep extended warranties in force for those prior purchases is going to be worth it.
    Due to recent high dollar purchases, looks like I’ll probably be renewing one more time, then may consider switching over to the Aviator card at that time.

  • Getting worse and worse. Time to leave Citi. Viva Amex

  • Chase is probably happy to hear this news. AMEX also added benefits to premium cards recently.

  • Citi has been getting worse and worse. I actually cancelled all my accounts with them recently. Even that was a complete nightmare. Took several long calls over the course of three months to get the account closed properly. Glad to see back of them

  • Lost baggage coverage would’ve been useful LAST trip…

  • Huge Blow from CITI… bad move for loyal shareholders that just want to back up should it ever be necessary.

  • Not the best of news for care holders.

  • What is everyone switching to? The Citi DoubleCash has been my every day card for the 2% and the 2 year extended warranty as well as price rewind protection. Those benefits are gone now. I plan on using the Citi Costco card for the 2 year extended warranty on big, electronic, etc., purchases, but it only gives back 1% rewards outside of Costco and doesn’t have price protection benefits which it is also loosing.

    I know price protection is a feature that’s been largely cut by most cards/banks. Citi’s 2 year warranty also seems unmatched. With that said, I can’t seem to find anything that would give me 1.5-2% CB while also offering price protection. Any ideas anyone?

    My other main card is Chase Sapphire Reserve used primarily for travel and restaurant purchases netting effective 4.5% cash back.

  • Citi’s Price Rewind feature not working now because of a bug (?) that forces the date the lower price was found to be *earlier* than Sept 21.

  • Great info and break down; unfortunate for customers who have Citi that will now have slightly lower benefits.

  • Are there any fee-free cards by any issuer that offers CDW on overseas car rentals and does not charge FX fees?

    I used to rely on Citi Premier but now CDW is gone, and I don’t know how long I will keep the Barclays Arrival+

    Thanks

  • between citi dropping these benefits on the prestige and amex addiing them to thee platinum, i”ll vote with my wallet and have started moving my airfare spend to amex platinum and dining spend on gold. I have a ton of TY points to burn out before i downgrade/close the prestige (hopefully next year)

  • That’s a shame. I’ve stopped using citi for years and this news doesn’t help me start again.

  • That is surprising, with so many CC looking to add to their benefits, they are actually cutting down? I’m sure their competitors are happy to hear the news.

  • I have both Citi AAdvantage and Citi Premier card. I was wondering if it’s possible to do a product change for these cards to the no-annual-fee versions to keep the points active and my credit history long as possible. Has anyone done this yet?

    • I just downgraded my Citi AA Platinum World $99/year card to the Citi AA no annual fee card so that I can keep earning AA miles without the annual fee and keep my longest credit card

  • Citi was one of the earlier issuers to offer a 2% cash back card, and there are still a relative few. I think they they are banking on people only caring about how much cash they get back, and little else. They could be right. I wonder if people would use as their primary card, one that has all the prior benefits but only gave 1% or 1.5% in rewards. My guess is most people would primarily choose the 2% card with few to no other benefits.

  • Citi is paying off with new promos like: bonus on ThankYou Rewards points transferred to JetBlue, a monster signup bonus of 75,000 miles after you meet the minimum spend requirement CitiBusiness / AAdvantage Platinum Select World Mastercard, etc ..

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