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I’ll be the first to confess that I can’t always make sense of what Citi does from a strategic perspective.

For example, when Citi decided to limit the 4th night free benefits on the Citi Prestige card to twice a year I thought “I get that. People are costing them thousands a year with that one benefit.”

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Then we soon discovered that they were also removing the ability to book the 4th night free with a concierge, rendering the benefit all but useless to anyone valuing hotel status/points.

I didn’t understand that move then and I still don’t now.

But one thing that didn’t seem to be going anywhere on any of there cards were the now-standard ancillary card benefits.

Citi To Remove Most Ancillary Card Benefits

Per Doctor of Credit, the following benefits are all going away as of September 22nd:

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

What’s more, the Citi Double Cash Card and Citi Dividend cards are ALSO losing Extended Warranty and Purchase Protection.

I’m stunned that, even on the $495 annual fee Citi Prestige card, they are removing these benefits. In marketing speak, you have “points of differentiation” and “points of parity.” The points of differentiation are what make someone choose your product over another because only you offer it. The points of parity are where all or most competitors offer something and so you do too, so as not to be a less attractive choice.

Here, they were on par with many issuers on most of these benefits. Now, they will be at a disadvantage.

Chase vs. Citi

Last year I wrote a post pitting the Chase Sapphire Preferred against the Citi Premier for travel delay/interruption coverage. While the Chase Sapphire Preferred won, in my opinion, for certain nuances of the benefits, the Citi cards still would have come out on top for many people.

Now, it seems that the Chase Sapphire Preferred and Chase Sapphire Reserve are the CLEAR choices for anyone that enjoys complimentary trip delay / trip interruption when traveling as well as car rental insurance.

Until now, I’d have still recommended that anyone with their own insurance put car rental insurance on their Chase Sapphire Preferred or Chase Sapphire Reserve because of the fact that Chase’s coverage on these two cards are primary while it is (until September 22nd now) secondary with Citi. But now it’s primary vs. no coverage at all!

If you currently rely on a Citi card for the above, it’s probably time to look into a Chase credit card. Remember that American Express cards do not, by default, offer trip delay insurance and, where they offer car rental coverage, that coverage is secondary to any insurance you have have yourself.


Let me know here, on Twitter, or in the private MilesTalk Facebook group.

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New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.

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I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.



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