- Centurion Member
- Posts: 3962
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Neither Citi nor Capital One have glowing reputations for customer service. I don't think Citi is likely to close the DC program or cut benefits any time soon. And even if they do, you can always close it and get a different card. It's not like Citi DC has an annual fee. So between those two, I'd favor the DC.
As a better option, though, I'd look at getting an Amex. There's not one that really stands out for you - unless you're already a Costco member, in which case the Costco TrueEarnings could be great for you. If you're not a Costco member, and don't plan to join, then you might look at Amex EveryDay or Blue Cash Everyday.
Or try the Amex Green or PRG and have the fee waived for a year while you try Amex out.
And the CSP does make more sense if you travel a lot and can make use of the transfer partners. As a cash back card, it's not a good deal - especially if you can't meet the spend requirement to get the bonus!
Often, when rewards do get cut, issuers do it in sneaky ways. Chase gets rid of a 10% point bonus for checking customers. Amex cuts the roadside service benefits. Taking a card called DoubleCash and making it a 1.5% card would be tricky - although they could cap the amount of spending that earns the 2%.
Getting a no-AF Amex is good. Until you start making and spending more money, though, any new card might not make a huge difference in your actual rewards. You already have some great cards, so adding more cards will only give a limited marginal improvement in terms of rewards.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May