- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
I don't know but perhaps the "elite" is available for an annual fee whereas the regular "world" does not charge a fee? If that's not the case, they promised you an elite card and that's what they should have provided. However, there's surely an out for them in the fine print ("...subject to terms...credit score, etc...").
I had a Universal card years ago before Citi took it over. At some point I closed that account. Last year I opened a Universal card with Citi to get the rebate on my AT&T phone and Universal tv/internet bills. While it's a good deal if you have those services, I found Citi to be too much trouble to deal with and closed the account.
Unless you are taking advantage of an AT&T/Universal rebate with the card, I think you can find a better rewards card elsewhere.
As an aside, it might be that the status designations of the 1980s and '90s (gold, platinum, etc.) are coming back in the form of "signature, world, world elite." I wonder if it might be because banks/cards don't want to fight each other based on rewards in light of the stricter and more costly credit card rules recently enacted; they're going back to appealing to consumer egos. For me, I'll take a card with a big reward over a status card any day.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.