That being said, I think the Premier Rewards Gold has much better transfer partners (though the addition of FlyingBlue to Chase Ultimate Rewards dilutes this a little), especially for US flyers. Aeroplan is almost as good as United for Star Alliance bookings (other than a few carriers which add significant surcharges), and now that Delta has introduced short-haul award tickets (like West Coast roundtrips for 11,000 total which would cost 25,000 if booked through another SkyTeam partner), there is value in having Delta as a transfer partner, not to mention JetBlue and Virgin America are very useful. That being said, if you need Hyatt points or Southwest points, it’s hard to beat the Chase Sapphire Preferred.

The Citi Prestige is great for its Priority Pass access that allows two guests, and essentially has an annual fee of $100/year after you factor in the $250 airfare credit and $100 Citigold credit, and while the transfer partners aren’t as good, the points can be redeemed for 1.6 cents per point on American Airlines, which in some ways is even better than transferring points since you can earn miles.

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