Chase Trifecta vs Amex Trifecta (2024) | ULTIMATE Credit Card Setup?
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- เผยแพร่เมื่อ 20 พ.ย. 2022
- Which is BETTER? Comparing the American Express Trifecta vs Chase Trifecta in 2022, 2023, and 2024! These cards are among the MOST POPULAR cards on the market, and for good reason. We go over everything these cards have to offer, what their differences are, and which cards YOU should get!
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Amex MAX Value: • How To Redeem Amex Poi...
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Capital One Venture X: capital.one/37QcNBS
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Note: I am not a financial advisor. The ideas mentioned in these videos are for entertainment purposes only. Please do your research before making financial decisions.
#creditcards #chasetrifecta #amextrifecta
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Loved this breakdown, right to the info and succinct to boot!
You really fit a lot of information in this 15 min than I think I could do in a 25 minute video haha.
Nice job Kevin! Also, I know you love the classic Gold, you know you do. 😂
Thanks Anthony, and definitely the Rose Gold haha
I'm personally rocking with the Full Chase Trifecta setup, and have 1/3 of the AMEX Trifecta with the AMEX Gold. Definitely want to get the AMEX BBP & AMEX Plat in the future as I continue to optimize my setup. Great video as always Kevin!
Thanks for the support Matt! The Chase setup is awesome and I really think anyone more serious about credit cards should have them!
Team AMEX 💪and prefer Capital One Duo 💪 over the Chase setup. Eventually will get some Chase cards for the bonus and send them straight to the sock drawer after the points are transferred. I like the Freedom Flex and the protections on the CSP. Thanks for the info 👍
The Capital One cards are definitely getting really good!
I just subscribed, nice videos bro.
I think that the biggest advantages of Chase and Amex are their travel portals and travel redemption options including transfer partners, but I think that it's fair to mention the potential weaknesses of each as well. I've had the Chase trifecta for years and I love it. Chase points have the highest redemption value of any point system with a floor of a 1:1.25 ratio with the trifecta, there's a 1:1 ratio for cash back, and it's inexpensive to acquire and maintain so it's easily a keeper, but the earnings aren't as good on everyday spend compared to some other cards (citi, capital one, and even discover as I typically find it easier to max out more of the 5% quarterly categories on discover). Amex trifecta has better earnings on everyday spending categories thanks to the gold card, but it's expensive to acquire and maintain and you basically have to redeem for travel because the points lose so much value if you redeem for cash back (this is obviously not true of their strictly cash back cards, but that's another story for another day). These are things that people may want to consider when considering the two trifectas.
Charles Schwab
Can you do a video on how to churn cards? I.e. when to close/downgrade a freedom card in relation to opening date, and when it’s ok to re-apply for the SUB (more in depth than the 24 month rule)
Noted!
Great video, really the best I’ve seen in a long time! As much as I like Chase, I wonder how many people forget to use the $50 credit on the CSP. 😂
I find myself reaching for the Amex Gold and VX more often these days.
The Venture X is an insanely good card, and great for people who want a 1 card setup too!
Could you apply for all the 3 chase cards at once? Will you be approved? Or you gotta apply 1 at a time and then wait a couple months to apply again for a different chase card?
Are the trifectas good for someone who doesn’t travel often?
can you do best business cards for 2023 and product change rules for each issuer?
Noted!
My opinion on them as concise as possible: Chase = Flexible and easy to use for everyone; Amex = Luxury and can give you more value (but less flexible). Both trifectas are super solid and you really can't go wrong with either! Chase is an easier trifecta to recommend with its lack of annual fees, but the credits that come with the Amex trifecta are pretty insane if you get value from them naturally. I love the strategy you recommend with these cards.. I would say exactly the same! Great video all around man!
Thanks Spencer! That definitely sums it at a high level!
@@KevinYang I tried!! Wasn't as easy as I thought 🤣
@@SpencerJohnsonOfficial Did a great job on it haha
Hey kevin, I just got the discover it credit card about a week ago. My goal is to get my credit scores into the 800’s I’ve never been able to get passed the upper 700’s 😂. I came across you videos and was wondering what would be a good rule of thumb to wait to apply for a chase card? Like 6 months or a year? My wife wants to travel more often and those sound like they have great perks
Personally I would wait 3-6 months, and definitely on the longer end if you've had high velocity of applications recently!
I prefer AMEX myself. Thanks for the info + video.
Right there with ya!
I think different people can make different trifectas work, while some people can make both systems work!
Exactly! Both have their use cases and benefits, just have to find what works for your lifestyle
Great breakdown of both Trifectas Kevin! I’m on Team AMEX, maybe one day, I’ll consider the Chase Trifecta. I like your idea of using Chase as a rotating 24-month SUB wheel and then using AMEX to supplement when good SUBs on their cards come up! Great strategy!
You should consider starting the clock on Chase cards!
Good breakdown. For me, even with the annual fees, Amex works better for me because of the way I like to travel. You can't go wrong with either set up or a combo of both
Amex can elevate your travel so much! And if you can justify it with the credits, it's a win-win!
@@KevinYang absolutely
The real Amex trifecta is Gold + Platinum + Rakuten 😤
YES! Rakuten cash back (or in this case, MR back) is huge!
I have the gold card but the Amex trifecta is just really expensive to have for most people I would say.
Fair point! I think people should only consider it if they can at least break even on cards like the Amex Plat with credits and other perks. If not, it's not for them!
@@KevinYang oh yeah I would agree I was just pointing out the obvious. I wish Amex would come out with lower AF card so we could have a more budget friendly trifecta. Since it’s competition like chase and other banks have really good options and for much lower. I also have chase freedom and the reason I don’t go for their trifecta is that the cards in the setup are very very similar to each other but that’s another topic in it self.
@@Ragnar0321 100%! I think they do have some lower end cards, but definitely not as popular or known about!
It’s definitely for people with a compatible lifestyle. I’d love to get the Amex cards for points but I rarely ever order food and most of the perks of the platinum I probably won’t use. Someday I’ll get them though. They have once in a lifetime welcome bonuses so there’s no rush.
@@anandr1385 the gold card fits me nicely and I got a 90k point welcome bonus.
I’ll take Amex any day for the customer service alone.
I don't know if I would say American Express has good customer service.
Have you had poor experiences?
Also, if you're in the active duty service you and your famy don't pay ANY of the annual fees 🤌🏼
Thanks for pointing that out, that is a huge reason to get these cards then!