- Sign up Bonus for each card is 50,000 points.
- Travel Bonus: each gives a 25% bonus when using for travel products.
- Anniversary Bonuses: Chase card is higher at 7%
- Annual Fee: Citicard $125 fee, Chase First Year Waived
- Phone Service is definitely better with the Chase Card. Humans. No phone tree.
- Flight points with the Citicard increases the value to two cents per dollar when your spending matches the flight points earned for miles you have actually flown.
- Point Value: In the scheme of things, each point is still worth one cent. You get a .2 bonus in certain categories with the Citi Premier Thank You Point Card
And the Winner is? Well, that depends on you and your spending habits.If you fly a lot and have actual spending to match the majority of the miles you fly, the Citi card is a 2 to 1 winner.
If not, the Chase card waives the fee first year and has better phone service when you need it.
- Big Spenders and High Flyers: The Citi Premier Thank You Points Card
- The Rest of Us: Chase Sapphire℠ Preferred Card
But: This is not an either or option. If your credit scores are too low or you have too many inquiries on your credit report, pass until your scores improve or some of your inquiries fall off your report.
And: If all is well with your score and number of inquiries, you may want to consider both of these on the same day. I would gladly have another 100K in points in my accounts.
IHG® Rewards Club Select Credit Card
- Annual Fee: $49 fee waived for the first year
- Foreign Fees: No
- Card Type: Hotel
The IHG Rewards Club Visa is often cited as one of the most underrated hotel credit cards, with good reason. The official offer is for 70,000 points after $1,000 spent within three months, with the first year’s fee waived. The card comes with an annual free night certificate that can be used at any IHG property, including Intercontinental hotels - making this certificate worth upwards of 50,000 points. This is far more generous than some other hotel cards, which limit the categories in which free night certificates can be redeemed.
Cardholders earn 5 points per dollar at IHG hotels; 2 points per dollar at gas stations, grocery stores, and restaurants; 1 point per dollar everywhere else. Moreover, you’ll get a 10% rebate on award redemptions, up to 100,000 points per year. The card also comes with Platinum status, though that doesn’t get you much with IHG. Still, this is a fantastic card to have in your wallet, with benefits that far outweigh the already low $49 annual fee.
- Earn 70,000 bonus points after you spend $1,000 in the first 3 months of account opening
- Enjoy a free night of card membership at over 4,700 hotels worldwide
- Earn 5 points for each $1 spent at our hotels
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
- Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
- Automatic platinum elite status, as long as you remain a cardmember
- $0 introductory annual fee the first year, then $49