Citi event invite/unvite/revite; Andaz pancake evaluation; and NYC accidentally for free


About three weeks ago I was invited to a launch event for a new Citibank cash back product.  The invitation read in part as follows:

Citi would like to know if you would be interested in attending an event for the launch of their new Cash Back Product, coming in late August.  This event will be held in New York City on 8/21 at an offsite location during cocktail hour.

I’m always interested in learning about new rewards cards, so I quickly replied that I would attend.  This was my first invitation to a behind the scenes event like this since… ever.  I thought it was unlikely that the new product would be one that I’d be excited about, but I was interested to hear about it anyway.  And, since I once successfully visited New York for only $19 per day, I knew I could do this with minimal out of pocket expense (see “NYC on $19 per day. Final tally”).

Trip planning

My preference was to fly in and out of the city on the same day.  With that constraint, my best option was a 25K award redemption with Delta (yes Delta haters, saver level awards were wide open): I would arrive at the LaGuardia airport just before noon, and then leave at 8:45pm the same day.  I had to search Google for info about “cocktail hour” to get an idea of whether 8:45 was really late enough.  The general consensus seemed to be that cocktail hour ends at 6pm, so I would most likely make it back to the airport in time.

The unvite

A couple of days before the event, I realized that I hadn’t heard any more specifics about the event.  Where would it be held?  What time, exactly?  I reached out to my contact and was told that I was essentially uninvited.  Citi had decided to keep the attendee list small and concentrate on personal finance blogs only.

The problem with this last minute unvitation was with Delta’s dreaded 72 hour rule.  Officially, Delta does not allow changes to awards within 72 hours of departure.  And, of course, it was now less than 72 hours before my flight.

I wrote back:

I don’t think I can cancel my flight without a loss at this point.  Can you twist an arm or two?

While waiting for a response, I called Delta to see if anything could be done.  In the past they made an exception for me when I had to change a flight due to a sick child at home.  Maybe they would make an exception again?  I called the elite desk and described my situation.  The agent quickly offered to make a one time exception and allowed me to cancel the award.  Since I have high level status (Platinum), there was no charge for the award redeposit and I received my $11.20 in TSA fees back as well.  Awesome.

Revite and re-planning

After successfully canceling my flight, I heard back about the event:

I was able to get you in.  But the event has been changed to 8/26.

OK, the good news was that I was re-invited.  The fact that it had been moved from Thursday to Tuesday of the following week made me all the more happy that I was able to cancel the Delta flight!  Later, I received the official invitation: the event would be starting at 6pm and would include “cocktails, dinner, and conversation.”  OK, so an 8:45pm departure from NYC wouldn’t work.  I would have to stay the night.

Now that I didn’t have to worry about finding a late flight, I had more flight options.  I was able to use Avios to book American Eagle on the outbound for 4,500 points in coach.  For the return, I waited for a coach seat to open up, but it never did.  Instead, I snagged a first class seat for 13,500 points.  The total cost in points came to 18,000 points for the round-trip flight, which is less than most airlines would charge for a round trip award all in coach.

Next, I looked for hotels.  I have a voucher for a free night at a Radisson that will expire at the end of this year so I tried to use it at the Radisson Martinique.  Unfortunately, the hotel claimed to not have any rooms that night that were bookable with the certificate.  After exploring a few other options, I decided to use 25,000 Hyatt points to stay at the highly rated Andaz 5th Avenue.  I still have Hyatt Diamond status thanks to the Diamond Trial I had done early in the year (see “Chasing Diamond Success!”) and so I would finally be able to try out this property’s famous pancakes, for free (Hyatt gives free breakfast to Diamond elites).

The outbound trip

Several days before the trip, I used the Finnair website to add my American Airlines frequent flyer number to the bookings.  The primary reason for this was to ensure that my known traveller ID got onto the reservation.  This is the ID you get when you signup for Global Entry or TSA-Pre.  Either way, it makes you eligible for the usually far better TSA-PreCheck security lane at the airport.  But, you’re only eligible if your boarding pass says so.  And, your boarding pass will only say so if your known traveller ID is on the reservation.

As expected, the boarding pass printed out with the TSA-Pre symbol so I flew threw security with only one clueless guy in front of me who tried to remove his laptop from his bag.

The flight itself was uneventful.  Upon arriving at the LaGuardia airport, it was time for lunch so I made my way to the new Centurion Lounge where American Express Platinum cardholders, like me, get in free.  There, I ate a very nice lunch.  I can’t say that the food was amazing, but it was good.  And, most importantly, it was free Smile.

The Hotel

Others have described the Andaz 5th avenue in excruciating detail and, unlike me, actually took pictures, so I’m going to be brief.  The lobby is cool and quirky.  The staff dress in casual clothes so that the only thing to differentiate them from other New Yorkers is their friendly smile and the fact that they know how to log into the Hyatt terminals scattered around the lobby.  The hotel offers complimentary wine at 6pm, but I had to miss that due to the Citi event.  They also have a very nice in-room mini-bar policy: everything nonalcoholic stuff in the mini-bar is free.  I found a couple of snacks and a decent selection of drinks.  Both were very much appreciated.  The king room itself was beautiful, spacious, and comfortable (I had turned down a free suite upgrade because it would have meant waiting a few hours to check in).  Breakfast was in the downstairs restaurant, and thanks to Diamond status, they promised to waive up to $75 off my breakfast bill.  More on that later.

The Event

The event itself was held in a back room at the Saxon + Parole restaurant.  And, as promised, it was a small event with a dozen or so Citi employees and marketing people and a smaller number of publishers (like me).  Brian, The Points Guy, was the only other points and miles blogger who attended (as far as I could tell).

We mingled a bit before the unveiling announcement.  I didn’t record or take notes, so the best I can do is paraphrase the speech from memory:

-We’re excited about the launch of the new Double Cash card

-The card has no annual fee

-The card offers 1% cash back for purchases

-The card offers another 1% when you pay for those purchases

-Any questions?

I had already had a couple of drinks by that point, but I was still able to do the math.  1% + 1% = 2%.  Right?  Why didn’t they say that?  A no-fee 2% cash back MasterCard is pretty awesome.  There must be a catch…

After the announcement I had plenty of opportunities to talk with the team members who developed the card, as well as a couple of Citi executives in charge of a broader range of cards.

My first questions were about the unusual reward structure.  Please keep in mind that what follows is from my hazy memory and therefore most likely only vaguely accurate:

So, this is effectively a 2% cash back card, right? 


So, why not call it that?  2% is really good, especially for a no-fee card. 

Our focus groups showed that many people struggle to pay their credit card bills.  Our hope is that rewarding people for paying their bills will help them do the right thing financially. 

Is there a catch? The way you describe the reward structure makes it sound like there’s a catch.  It seems like if this was really a 2% cash back card you would want to call it that rather than confuse people.

No, there’s no catch.  We felt it was important to differentiate this card through its innovative rewards structure.

Huh.  OK.  Next I explored ways that it might be possible to eek out even better rewards…

What happens if people overpay their credit card bill?  Will they earn 1% on the entire payment?

No, you only earn rewards for paying off actual purchases.

Rats.  I then wondered if, like Discover cash back, there would be options to get more value from the rewards than the face value…

Will you offer other redemption options besides cash back?  Could rewards be redeemed for gift cards, travel, or anything?


No, we wanted to keep this simple: cash back only.

After that, there didn’t seem to be much to say about the new card. It appears to offer a very solid 2% cash back but Citi wants to teach basic math to the populace so will only describe the card as offering 1% plus 1%.


I didn’t think I could eat $75 worth of food on my own, so I invited Stefan from Rapid Travel Chai to join me for breakfast.  We each ordered the famous Lemon Poppyseed pancakes, a drink, and a side.  The total, with tip, came to exactly $75.  Perfect.  Below is a photo Stefan took of me about to enjoy my food.  Somehow I forgot to take his picture (sorry about that Stefan!).


Before trying the pancakes, I didn’t think that I would agree with Gary and everyone else that these were the best pancakes in the world.  After all, everyone knows that the best pancakes can be found at weekend brunch at Jefferson Market & Cakery in Ann Arbor (note: by “everyone” I mean the couple of dozen brunch regulars).

Having eaten the Lemon Poppyseed pancakes, here is what I now think: they are ridiculously sweet and delicious.  But… but…  It’s hard to articulate this… These pancakes don’t taste much like pancakes.  In a way, they might be better compared to a dessert like crème brûlée:


Trying to compare the Andaz pancakes to other pancakes I’ve eaten is like trying to compare New York style pizza to Chicago style.  They’re so different that they shouldn’t even have the same name.  Let’s leave it at this: if you want something extremely sweet and delicious for breakfast, the Lemon Poppyseed pancakes at the Andaz will more than fit the bill.

Return to the Centurion Lounge

For my return trip, I stopped again in LaGuardia’s Centurion Lounge for lunch before my flight.  This time I met up with Angelina (Just Another Points Traveler) and her husband who were visiting the lounge before their flight to Seoul.  Once again, the food was very good and very free.

New York City Accidentally for Free

It occurred to me only after I returned from this trip that I didn’t spend a single penny out of pocket while in the city!  I did spend a little before and after the trip, though.  Here is a full breakdown:

  • Flights: $11.20 in TSA fees + 18,000 Avios
  • Ride to Detroit airport: Free (used $50 in Lyft credit for signing up)
  • Snack at Detroit airport: $7.29
  • Lunch at LaGuardia airport: Free thanks to the new Centurion Lounge (and the fact that I have the Amex Platinum card)
  • Ride to hotel: Free (used Uber credit from referrals)
  • Snack at hotel: Free (Andaz mini-bar is free for alcohol-free items)
  • Ride to Citi event: Free (used Uber credit from referrals)
  • Dinner: Free at Citi event
  • Return to hotel: Free (I walked)
  • Breakfast with friend: Free (thanks to Hyatt Diamond status)
  • Ride to airport: Free (used Uber credit from referrals)
  • Lunch at LaGuardia airport: Free thanks to the new Centurion Lounge
  • Return ride from Detroit airport: $70. Ouch. I should have used Lyft. I tried to do the bus, but the next departure was about an hour away.

In total, I spent less than $90 out of pocket and all of that spend was while I was in Michigan.  While in New York I literally did not spend a single penny out of pocket.  Pretty cool.

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[…] 5th Avenue. Ben was open to supplying lemon poppyseed pancakes, though I had had them before at the treat of another Hyatt Diamond and found them a bit too […]

Rapid Travel Chai

@ABC – Breakfast with friends a waste of time? 😉


Nice post, but the nugget for me was the Finnair tip. I’ve been using Avios to fly AA for several years and never knew that. Thanks!

Will S

Take that all back…. feeling like maybe I’d been too hard on Delta and had missed a change in the offing, I checked out award flights from my home airport CHO (Charlottesville) — and we do have multiple direct flights daily to both ATL and LGA….

Checked for multiple possible destinations…. to major airports…. tried San Francisco, LA, Portland, etc.

The more I checked, the more the old…. yes, anger returned. Take CHO to Portland… or heck, ANY east coast airport to PDX or SFO. For me, there were only a few Tuesdays and Wednesday through next spring at the saver rate, and for next summer already, the entire screen YELLOW — as in standard only.

In short, Delta is now WORSE than I remember….. and as I ranted on MMS, they could make the CC give 100,000 miles, and I still won’t fall for the card…. not if I can’t use them.

So puhhhhlease, spare us the snarks about how wonderful Delta is for you. (unless you really do want to alienate otherwise regular readers)


The Delta calendar is broken. Just because it doesn’t show green (low space) doesn’t mean the space doesn’t exist. You need to learn how to search (ie segment by segment, day by day). Yes, it is tedious, but there is a lot more space out there than delta gets credit for on in the blogosphere.

will s

Nice, interesting, delightful post…. even without notes. Dat’s the way to do it. Give us the gist.

Yet laughed/winced a bit re. the snark about “Delta haters.” Trying to keep it going? Unnecessary.

Sigh, well good for you that you happen to live in a major Delta (NWA) hub and were flying to another major NY hub LaGuardia). In the process though, you take a generic swipe at would-be Delta travelers stuck with Delta miles who can’t use them cuz’ we’ve been cursed to live in smaller Delta markets…. where for years they’ve DELIBERATELY kept lowest level award seating scant to non-existent.

Funny thing, I DID just discover the Delta description of their new rewards availability for 2015 and beyond. (and they even use the phrase, “we heard you” — and promise to be increasing availability…. VAGUELY, IHG style)

I was almost tempted even to use your link…. til you reminded me why I supposedly “hate” Delta. Actually I don’t….. (despise USAirways even more)…. Just don’t like their rewards program. Yet maybe, just maybe, availability etc. might improve come January….


Rough day in the blog-o-sphere. How could you be so foolish as to waste your time hanging out with credit card company people, when you could have been doing something more important like watching Dave Chapelle Prince video parodies? Sounds like you’ve got a serious case of: French toast? tennis, three-piece suit.


another awesome blog bro.

Would have applied if it offered at least $500 bonus,


Greg, I’ve heard that the 1% back on payments only applies to the amount on your statement balance. I.E, you wont earn the 1% on any payments mid month even if they offset charges. I think this eliminates churners.


Enjoyed the report. Its really great when it all comes together for a last minute, short-term trip to a super expensive place like NYC. I do a lot of these, and if it comes together, I find its one of the best uses of miles and points.


If you didn’t spend any money out of pocket while you were actually in NYC, that means you did not leave a tip in your room for the cleaning person. That’s low.

I don’t know how Uber works or whether you can tip your driver with Uber credits, but I’m guessing not. That would mean that you also did not tip your Uber drivers. Not as low as stiffing the chambermaid, but still not nice.


But you used Hyatt points you transferred in from UR right? That’s $250 out of pocket.


I call this a poor use of points and time. Hobnobbing with CC marketing folks can only be that intellectually stimulating. Oh wow, it’s 2% cash back but let’s call it something else! The devil is in the details about this card (T&C) and we’ll read about the results on FT.


pancakes?! game, blouses.

Cultural Reference Getter

Oh please. Google it before an ignorant response.

Dave C, FTW


I think this Chappelle video will explain it:


Given your glowing review, I’m sure they’re thrilled to have re-invited you 😛

You’re doing it wrong. Like TPG did on this card, you’re supposed to PIMP PIMP PIMP and be Citi’s shill.

And lastly, New Yorkers smile. Plus, the folks milling about in the Andaz lobby aren’t New Yorkers. So why the cheap dig?