Why The Citi Trifecta is NOT For You!! (FULL REVIEW)
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- เผยแพร่เมื่อ 22 พ.ค. 2024
- #citibank #cititrifecta #citibankcreditcard
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A full review of the citi trifecta and why it's the least talked about credit card trifecta. I go over the pros and cons of this credit card setup and give my reasons of why you should not get the citi trifecta.
#citibank #cititrifecta #citibankcreditcard
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1.) Chase Ink credit card - www.referyourchasecard.com/21...
2.) Capital One Savor credit card - capital.one/3PYjshc
3.) Bilt Mastercard - bilt.page/r/JZ6E-5EQ8
4.) Venture X - i.capitalone.com/JzJQu10Tp
5.) Amex Business Blue Plus - americanexpress.com/en-us/ref...
In this video I give an in depth review of the citi trifecta. This trifecta consist of the citi double cash card, the citi custom card and the citi premier. The citi prestige card is no longer accepting new applicants. I go over the pros and cons of each of these cards and compare them to the capital one duo (venture or venture x and savor or savor one), the chase trifecta (chase sapphire preferred, ink preferred or the sapphire reserve, the freedom unlimited and freedom flex) and the amex trifecta, which consist of the amex gold card, the business blue plus and the american express platinum. Out of all of the setups, this is probably the worst one.
00:00 Start Here
00:37 What is the Citi Trifecta
02:09 Pros & Cons
06:33 Citi Trifecta Vs Chase
07:14 Citi Trifecta Vs Amex
07:32 Who is this setup for?
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Are you using the Citi Trifecta in 2024? Do you think Citi will introduce a premium card this year?
Check out this video next for my thoughts about the Venture X 👉🏽👉🏽 th-cam.com/video/4b_Y_DdUY8Y/w-d-xo.html
Nope. I do have one citi card, and am banking a small number of points earned on a few citi merchant offer purchases here and there. I will be waiting for a better signup bonus on the Citi Preferred or any new premium card offering that might surface.
Makes sense. I haven’t seen too many new welcome bonuses for the premier, which is another reason why I didn’t get it.
Most TH-camrs are aspirational travelers so they hate on citi, but the citi QUADfecta is perfect for me. 1:2 Choice Hotels transfer is 🔥. For NYE, I stayed at the Radisson beach resort in Miami which was 12,500 citi pts. The cash value of that room was $700 that day! In Feb I’m staying 2nights at their Orlando resort for 25,000 citi pts when the cash value is $500-580.
Nice. Those are some amazing redemptions. My issues are with the lack of protections and insurances, which is why I added the Sapphire preferred. Definitely a good set up , but a few key things are missing. Enjoy the Orlando trip, that's great value.
I disagree, the Citi Double Cash and Citi Premier are a good combo, I've done the math and I rack up a lot more points with Citi than with Chase.
Plus, Citi allows for transfers to Virgin Atlantic, allowing me to book Delta flights with Virgin points; which, when available, are 2-3 times cheaper than booking directly with Delta points.
If anything, adding an AmEx Platinum to that combo is the way to go for all the travel and purchase protections. Nothing like getting into the Delta lounge with your AmEx Platinum with a Delta ticket that you used Virgin points to book. 😎
I like it. Delta is my favorite airline. I didn’t even think of adding the platinum card to the mix. Good stuff
It's worth noting that everyone transfers to Virgin Atlantic (Amex, Cap1, Chase, Bilt), so there's nothing unique there. It's a good setup if you only want one ecosystem, but if you're playing the field ... seems like there's nothing special. Just my 2 cents. 😀
@DugrozReports Exactly. Good point Dugroz.
The Citi combo is underrated. There are many aspirational redemptions possible with Citi partners. Qatar avios can be used on BA, Iberia, and Qsuites. Air France can be a steal in economy and greet for business class. Virgin Atlantic can be used to fly Delta one. As for hotels, choice can be a great value transferring 1:2 ratio from Citi
It's definitely value there, without a doubt.
Citi is cool, especially if these are the only cards you use. I never understood the 1% at the purchase and 1% after you pay with the double cash and the $25 max cash back per quarter with the custom cash. But the Premier is a nice. Thanks John. Another good one
Sledge, appreciate you. I know that custom cash isn't really worth it in my opinion, 5% sounds good, until you realize it's only worth $25. I do like the premier, but I can do without it.
@@John_Cannon same here hahaha.
It's $25 per month on the custom cash. Not per quarter
@Tony36847 correct. It’s per billing cycle.
@@Tony36847 gotcha. And I'm sure that's great for a lot of people and I considered it but changed my mind
Man, I've been dominating with my Citi Trifecta since I dropped my Amex Gold & Green. Custom Cash I use for transit -- EZ Pass tolls, Subway fare and parking. Plus I made my wife an authorized user on the Premier. Racking up these ThankYou points!!
Nice. A lot of people dropping that gold card and you seem to have found the perfect substitute. That’s what this game is about.
A good use I found for a Citi card is to book an Airbnb in the USA, and do the split 50-50 payment to get 5% cashback on a $1000 booking using the no annual fee Custom Cash.
Pretty hard to get 5% on Airbnb, but Citi Custom Cash pulls it off.
I like that. That’s a smart move.
WF is the future
😂😂 Chris, I think we’re all waiting to see what they do next.
I'm really happy with the Citi trifecta and rack up way more points on every day spend than on my 10 Chase cards. I definitely don't use Citi cards for travel tho
I agree Tony, you get a lot more points over this setup than Chase. I just wish they didn’t eliminate their protections.
I travel to 4 continents every year...Amex is worthless overseas, as are Chase Freedoms. Citi Premier's 3X categories are the best while outside the US. I use the 5% Custom Cash for restaurants in the US. I have 3 duos...CSP for flights and car rentals, Ritz for Priority Pass, AX Gold for US food + BBP for 2% everything...in addition to Citi.
That’s a nice setup. You seem to be getting max value on all your spend.
Hey John, thank you for the video! I see in comments that a lot of people like Citi cards. 😅
😂😂 🤷🏽♂️
I have the Citi Trifecta but i mainly use it for cash back right now. I would eventually like to use the points for travel. I like UR points better for travel.
Me too. I prefer UR & MR points above the rest.
I've got the Citi Home Depot card. :)
Hah, nice. As much money that I've spent there, it probably would have made sense to have one.
I don't care for the travel partners for Citi and also for Capital One so I will stick with Chase and AmEx (for now).
Smart move.
You compared the Custom Cash card to the Freedom Flex. But you neglected to mention that the main benefit of the Custom Cash card, compared to the Flex, is that it's a year round card, not a quarterly benefit like the Flex.
That’s correct. It’s an annual credit.
Love Citi cards and agree that Citi should bring a premium travel card with travel protections. I do like the Citi Premier $10k purchase protection and 24 month extended warranty. For the taxes and fees I use other card once I transfer the points to get the protections (AMEX Platinum). To be honest I prefer the Citi trifecta over the Chase trifecta. Chase overlaps too many multipliers, no gas and no real grocery cat. Great overview and video John🫵
Thanks Cesar. These cards are great point earners, a lot of people prefer this setup or chase, which is understandable. If they do bring back a premium credit card, it'll be a game changer for sure. .
Hey Cesar -- I thought that to get the Amex Platinum's travel protections, you had to pay for the entire ticket with the card. Is that not correct? (I'm not 100% sure how it works on all points bookings). Thanks!
@@DugrozReports when you use points you can pay the fees and get the protections as long as is a round trip. If the flight is one way then I pay the fees with the CSP. Those are the only known restrictions I know in regards to AMEX.
@@CesarJoel thanks!!! 😄
Who is this set up for? Someone who wants to easily earn free choice hotels nights for low spend, someone who prefers cash back, or someone that utilizes Turkish or avianca to fly star alliance (probably). But hey, if you wanna take the lack of travel protections personally, you do you
Agree. I said these same points in the video. You can easily rack up a ton of points or easily run a cash back set up.
I think Citi will be beat down by Wells Fargo this year. Wells stepped their game up enough. Can transfer to Hyatt and Choice. And their choice hotel card gets better multipliers to compete with Citi's 95 annual fee premier to get 1:2 transfers to Choice. I might want to pickup an AA card from Citi one day, that's about it.
Good point Bruce, I think Wells Fargo can really shake up the game if they play it right with their new cards. Only time will tell.
Are you saying with certainty that Hyatt will be one of the new Wells Fargo transfer partners?
@@DugrozReports if their BILT card transfers already.
@@BruceLeeCredit yeah, I hope I’m wrong. But I don’t see it. Wells Fargo is the issue of the Bilt card, but is a a whole separate company.
@@DugrozReports I hope you're wrong too, and that my optimism is vindicated. I think we need a better credit card issuer besides the 2 greats Amex and Chase to choose from. Citi cards just don't cut it for protections; or even luxury end products (yet). And Capital One is just too silly when it comes to approving prime and super prime customers.
We NEED Citi to launch those premier cards. But I worry they’re just as likely to pull out of travel all together for a bit. We will need another bank to step up after Wells Fargo. I just don’t know who
Matt I feel you. I'm hoping something new that no one was expecting, hits the market this year..
@@John_Cannon I keep hoping the Wells Fargo Autograph Beyond rumored card is the USBank Altitude Reserve with Transfer partners.
Heck US Bank getting Transfer partners would be great.
@MattClausen 😂😂 That would be nice.
@@John_Cannonwhat can I say, I’m a dreamer. But I know it won’t happen
You and me both. I feel that way about a lot of cards, that I'm sure will never see the light of day. 😂😂