The BEST Trifecta Card Setup (That No One Knows About)
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- เผยแพร่เมื่อ 18 มิ.ย. 2024
- Best Trifecta Setup, that No One Really Talks About..
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💳Capital One Venture X: mattwelter.info/venturex
I think I may have just found the BEST Trifecta Credit Card Setup, and honestly, I don’t think I’ve ever really heard anyone talk about it, because it’s a unique Trifecta Setup, which isn’t like your typical Chase & American Express Trifecta that you are probably used to hearing about.
Instead, this unique Trifecta Setup is going to include Credit Cards across multiple different ecosystems, with the components being the Citi Custom Cash, Citi Premier & Capital One Venture X.
So, in this video, I am going to discuss all of the Positives on this unique Trifecta Setup, and why I think it’s one of the Best Trifecta Setups that no one really talks about. I’ll also discuss the impact of replacing the Citi Double Cash with the Capital One Venture X, since the Double Cash is typically the 3rd component of the Citi Trifecta, and of course it’s important to understand the full picture so I’ll discuss some downsides as well, and ultimately who this unique Trifecta Setup is going to work best for.
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TIMESTAMPS:
0:00-0:52 What To Expect
0:52-3:05 Components of Trifecta Setup
3:05-11:32 Positives
11:32-13:32 Negatives
13:32-15:08 Who Does This Trifecta Setup Work Best For?
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Update: The Citi Premier is basically being re-branded as the New Citi Strata Premier, which is available to new applicants starting next week.
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💳Capital One Venture X: mattwelter.info/venturex
True, but it appears some temporary benefits of the Premier are being made permanent with the Strata Premier...plus likely adding some protections. The Strata Premier is not likely to challenge the Venture X with benefits, but hopefully the Strata Elite will whenever that comes out.
@@sunshinecycling For sure! Excited to see that new Strata Premier Card come out!
Two businesses that dont want my business hahaha. Great video as usual Matt
Hahaha yeah Citi & Cap One are definitely annoying & inconsistent on application requirements sometimes. Appreciate your support as always Sledge!
Interesting. I know you're going for a trifecta, however, since the double cash card is free...I would keep that as my catch all, rather than splitting my points across the 2 systems.
That's definitely fair and for simplicity sake I understand why just the regular Citi Trifecta would be appealing. Appreciate you watching!
Solid Trifecta! Thanks for the info + video!
Thanks so much Jimmy!
Solid set up Matt 👍
Thank you Chris!
Great video Matt! This is the path I am currently on. So glad you made this video. It lets me know I am on the right track. I am currently looking forward to downgrading my Premier to a Custom Cash so I can get the Strata Premier in another 28 months. Already have the Venture X.
Thanks so much Dean! Sounds like you have a great plan! I love the CCC as a $0 fee card and having Citi upside with the strata premier can really maximize those points you earn from the 5x category. Gotta love the venture x and the net positive value from the card as well. Appreciate your support!
Thanks for the video Matt. You are one of my favorites in this CC space.
Thank you so much! I really appreciate those kind words, means a lot!
Great Video!! First Super Thanks!! 😉
Thank you so much! I really appreciate you and your support really does mean a lot to me. And yes 🥇for Super Thanks haha.
Great info. Im really thinking about doing the citi trifecta over the chase one. I already have a amex platinum
Thanks so much! The Citi Trifecta definitely has a lot of validity, and can be worth it over the Chase Trifecta especially if you care about factors like Point Earning. Appreciate your support!
Now that’s the good stuff
Thank you Buck!
Love this setup Matt, I think it's important not to only focus on trifectas from a single issuer because as you showed, you can further maximize travel partners and general upside by combining cards from different issuers. I'll likely apply for the new Strata Premier when it's out and then get the Custom Cash sometime in the future, and thus (hopefully) complete this powerful trifecta!
Love it Monty! The Citi Trifecta is honestly super underrated, and completely agree, sometimes having setups across different issuers can really maximize benefits & upside!
Great job on TH-cam ❤
Appreciate your support as always Vicki!
Very unique setup Matt! I think that these 3 cards give a nice blend with lounge access, travel benefits, and great multipliers! The Citi Premier doesn't have any travel benefits, but I heard the Strata Premier might so we'll have to see! It's also a little more difficult that you have to balance Capital One and Citi transfer partners to redeem for you spend (if you go the travel route), but there's always going to be a pros and cons, which you detailed nicely!
Thanks so much Stan! Yeah it seems like the new Strata Premier may be a small upgrade over the Citi Premier. But yeah having that cross platform usage could definitely make travel redemptions a bit more tricky for sure. Appreciate your support as always!
My sister in law actually uses this. I’ve always scratched my head about it but with lots of common transfer partners between Citi & Cap 1, it makes sense.
Absolutely! Yeah I think this setup could work out really seamlessly!
Aye I guessed it right 😂 Citi has always been underrated mainly cause people complain about no travel insurances. I think that’s a bit exaggerated as most won’t use it and card insurances have a lot of disclaimers anyways (although I believe the rebranded strata premier will have some insurances) then we all know the VX is goated 😂
Haha yeah I honestly really agree with you. In reality, I think the % of people who actually use the travel protections aside from for Car Rentals is probably low. The venture x can pretty much make any setup better haha. Thanks for watching Cody!
After getting rid of my gold and looking for a card to cover groceries and gas (long commute) the premier would be great since I send most of my points to virgin miles. I do like the venture's 2 miles so I don't have to think about anything buuuut I want to also save points for a long trip using Hyatt. Definitely don't want Bill. Need a chase card once I'm under 5/24. Great video!
Thanks so much Juju! Seems like the Citi Premier could act as your foundational card to cover Groceries + Gas, with the Venture X being a solid option as your travel upside card!
I have the Venture X and I'm debating on getting either the Savor One or the Premier and custom city cash combo. Amy thoughts?.
Thanks for watching Ryan! If it were me, I'd supercharge your Cap One Setup first and get the Savor One to complete the Duo, and then after that, start to build into the Citi Ecosystem.
What do you think about my set up:
-Citi Custom Cash for 5X back on groceries
-Bilt for points on rent and 2X on rent day (I have cell phone, Comcast, etc scheduled for the 1st for double points so it’s my fake “catch all card.”
-Chase Sapphire Preferred for 5X on travel booked on Chase, 3X on streaming, 2X on other travel/transit and for their travel protection?
I think that's really strong! I'd recommend adding in the Citi Premier at some point to get greater upside from the Citi Points you are earning from the Citi Custom Cash. Appreciate you watching!
Will be interesting what happens with the Strata Elite card.
Definitely! Thanks for watching Greg!
Chase's 5/24 Rule has me blocked from any of these cards until November 2024 sadly. Will continue opening business cards for the SUBs until Q4. Hopefully the Ink Preferred will have an elevated offer at that time. Great video as always!
Thank you so much! Appreciate your support! Hoping an Ink Preferred Elevated Offer comes out!
Us bank reserve credit card and citi premier and the custom cash or the penfed 2 percent cash back card.
I love the U.S Bank AR! Thanks for watching!
How you feel about using the business ink card getting 1.5 % and then transfer that over to the chase reserve?
I think that is a great strategy!
I get that this lets you work the CCC into a travel setup, but is it that much better than the Capital One duo?
Everyone’s own cup of tea but I really like the 5x category. Especially since the Citi Premier covers a lot of the same categories as the Savor One within this setup
Why, just keep it simple savor & venture x
Actually a good setup to cover your bases while remaining a simple setup, but keeping some diversity for transfer partners and some luxury perks
Exactly! This is why I think this Setup is actually super underrated! Thanks so much for watching!
@@MattWelterOfficial also especially with smaller setups people don’t realize that non category spend is usually your highest spend by far. General purchases that don’t fit neatly into Gas, Grocery, Dining etc. so getting the minimum 2x miles is super powerful and can be arguably way better than the Citi 2x. Once you factor in the credits on VX and overlapping partners. Despite two Annual Fee cards, you get the net positive in VX credits and the Hotel credit on the premier. It seems like an obvious win if you can travel 1-2x/year.
I can see why you picked this
@@LogosBKC Completely agree with this! $490 in annual fees might be a turn off for some people or some of what I covered might sound confusing, but like you said if you travel 1-2x a year it's honestly pretty seamless to get positive value.
The ultimate setup would be to just get multiple Citi cards and product change them to the Custom Cash card for each of your spending categories and then pool all those points to the Premier.
Haha you are right! Having a bunch of Citi Custom Cash Cards to cover 5x categories in a lot of places would be big time!
Guessed it!
Yessir! Thanks for watching Daniel!
@@MattWelterOfficial - As a renter, I’m finding a lot of value in a VX/Citi Premier/Bilt trifecta.
@@danielturner8798 Ooo I love the Bilt Card! If you are a Renter, that is a super powerful setup! Adding in the Citi CC would never be a bad option for the 5x category & $0 Fee to make it a Quadfecta too haha!
@@MattWelterOfficial - Absolutely! That’s in the plans. If I really wanted it now, I’d PC my MileUp card. Think I want the SUB though and two CCC.
👍🏻
Thanks for watching as always! CJ barely got you this time 🥈
@@MattWelterOfficialit was a tie on the timer but tie always goes to CJ , 😂.
I like 3 percent on all mobile purchases.
Makes sense it's a great benefit!
I would rather use USB AR instead of Venture X.
Totally fair! The USB AR is a great Card!
I’m first!
Always!
You did get it!! 🥇
Always!
Haha that’s right, always 😆
Don't forget you also shouldn't use the custom cash out of the country because of the transaction fee.
Good point! Appreciate you watching!
Too bad as of today the Citi premier is retired
The new Citi Strata Premier is basically the same card
😬😬😬 I forgot that Citi doesn’t have travel insurances. What’s their excuse? This is unacceptable and means that you do need to have a credit card from another ecosystem to get those insurances.
$490 isn’t too bad, but I can definitely see the concern for those who don’t travel much. Also, good luck getting approved considering how picky Citi and Cap1 are 😅. It shouldn’t be too hard if you haven’t opened too many credit cards yet tho.
Yeah seriously, Citi basically makes it a necessity to get Cards within other ecosystems if you want any exposure to travel protections. Yeah I totally feel that, I can see the approvals being a major barrier to this Setup. If people don't travel too much then the regular Citi Trifecta probably makes more sense. Thanks CJ!
Facts😊
I think the rebranded Premier card has some travel protections, but I guess we’ll see what the particulars are of that soon enough.
@@qcman2000 hopefully! The game is way too competitive for Citi to ignore that benefit.