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Looking for a really good credit card

17 10 October 21, 2017 at 12:18 PM
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Last Edited by bcodemz October 21, 2017 at 12:27 PM
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I'm looking for a really good credit card to get. I don't mind an annual fee if it is worth it, even if it is steep. I have money to spend to hit any minimum purchase requirements.

Here's what I'm looking for

- Good cashback/travel reward of at least 1.5%
- Must have 2 years of extended warranty
- Rental car coverage
- I don't travel much, so I don't really need excessive travel benefits, but they're nice to have.

Any recommendations? I'm looking at the Citi Executive World Elite, but not sure if it is worth $450. I know it comes with $250 in travel credit a year, effectively bringing the annual fee to $200, but I'm not sure if I can spend the $250 every year, and not sure if this card is better than the $100 annual fee cards.

Thanks

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Joined Jul 2008
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#2
Just get a Citi Double Cash
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#3
The chase sapphire reserve is very good 450 annual fee though there is a $300 travel credit and many things code as a travel credit though you need every good credit for it
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#4
Citi Prestige is 2 year extended warranty, offers primary rental insurance outside the US/secondy in the US, 3% hotel/travel, 4th night free at hotels (averaged rate of 4 nights excluding tax), $250 air credit, priority pass ($27 guests), unlimited roadside assistance, $500 3hr trip delay/3hr baggage delay, online Price Rewind is unbeatable.

CSR is only 1 year extended warranty, but offers primary rental insurance, 3% hotel/travel/dining, $300 travel credit, priority pass select (free guests), 4x roadside assistance per year at $50 max each time, $100per day after 6hr trip delay/6hr baggage delay, price protection same as Citi's but harder to actually get approved.

They each have their benefits.
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#5
Chase sapphire preferred ( for rental cars and travel as it includes a TON of benefits ) and sams club world mastercard ( 5% gas, 3% travel but few benefits ) are the mainstays for me.

I also have a freedom and freedom unlimited so I put the points through the portal and can amx out the redemption value up to 5 cents per point or more sometimes transferring them.
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#6
You mention "Rental Car Coverage"- do you mean primary coverage? If so, that narrows the list tremendously as I believe there are fewer than a dozen cards that offer such coverage. Virtually all cards offer secondary coverage. The Citi card you mention is secondary coverage, meaning your car insurance and your deductible are still on the hook.

As to the travel credits, in many cases these can be redeemed for airline gift cards (which do not expire). Technically this is not allowed, but there are many cases where small denominations ($50) will go through without issue. I have done this with my AmEx platinum on occasion without any problems.

Also, I believe this card (if it's the AA version) does offer reimbursement for TSA pre-check/global entry, as well as lounge access, so don't discount the value of those perks. The lounge entry alone can be worth the card if you are traveling with your family- the snacks and drinks in an airport can add up quickly if you have a long layover.

Generally speaking Chase Ultimate rewards are going to be the most valuable "currency" for most people, and the cards offer decent rewards if you are more interested in points than travel perks. Personally I prefer the AmEx Platinum and Ritz Visa, but that is only because I want the perks more than the points. You'll have to make your own determination on which card(s) fit your life best.
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#7
Correct, the chase sapphire preffered and reserve offer primary rental car coverage.

You total a rental, call chase and they handle the claim. I've not used it but my coworker t boned someone who ran a light in Vegas and they took car of everything.

The preferred has a AF of $95, the reserve is $495, but comes with $200 in travel credit, $100 for TSA precheck or global entry and some other perks. Depends on how you use them if the reserve is worth it.

The Amex platinum has some good perks but doesn't offer primary rental coverage, none of their cards do afaik.
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