The BEST Credit Card Setup That (Almost) No One Has | Citi Trifecta
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- เผยแพร่เมื่อ 14 มิ.ย. 2024
- Why The Citi Trifecta is CRIMINALLY Underrated..
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When most people think of the Best Credit Card Setups, most people think of the Chase Trifecta, Amex Trifecta or even recently the Capital One Duo.
However, no one really recognizes the Citi Trifecta, and even people who are deeply invested into the Credit Card game don’t really pay attention to it, even though the Citi Trifecta covers all of your core spending categories & gives you that additional travel upside. Due to that additional travel upside, the Citi Trifecta to be a great Credit Card Setup that works well for people who are on Team Cash Back, Team Travel, or have a Hybrid Setup.
In this video, I'll discuss all 3 Core Components of the Citi Trifecta: Citi Double Cash, Citi Custom Cash & Citi Premier. Then, I'll discuss how to maximize the Citi Trifecta for the highest amount of value, as well as the Positives & Negatives of this Credit Card Setup. Finally, I'll discuss WHO I think the Citi Trifecta works best for.
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TIMESTAMPS:
0:00-0:59 Gameplan
0:59-2:30 Citi Double Cash
2:30-4:08 Citi Custom Cash
4:08-6:02 Citi Premier
6:02-7:19 Utilize Citi Trifecta For Max Value
7:19-10:21 Positives & Negatives of Citi Trifecta
10:21-11:41 Who Is The Citi Trifecta Right For?
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What are your thoughts on the Citi Trifecta? ⬇
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Nice one Matt! Love the Citi Trifecta, but for me, what's even better is the Citi Duo as it's such a simple setup and can easily maximize your highest spend category at 5%, provided that you spend under $500 per month in that category. I also like how the categories don't rotate like the classic Chase Trifecta, and it's a very stable setup!
Totally fair point Stan! And yeah I absolutely love the stable 5x category with the Custom Cash to use for something like Gas Stations each month. Thanks so much for your support as always!
Nice work Matt! I called the Citi Trifecta the “Just gimme the darn points” trifecta. No frills, no high fees . Just tons of points.
Thank you Luke! Absolutely haha definitely a very simple & straightforward Trifecta & way to earn points.
As someone that rocks the Citi trifecta honestly it’s ridiculously effective and an absolute workhorse set up…. Excited for the premium card citis rumored to release this year!
That's awesome Miguel! And agreed it's a super effective & straghtforward setup. I'm super pumped for the release of that new Premium Citi Card as well! Will be talking more about it in one of my next videos. Thanks so much for watching Miguel!
Was looking for more info on Citi card strategies! So interesting, learned so much!
Thanks so much Olivia! I'm glad the video was helpful!
So excited I just got the 3rd piece - double cash! Trifecta time
Let’s go Andrew!
Good stuff!
Thanks Buck!
One tip to cover most of the AF on the Premier, which I do, is use the Disney Bundle credit on the Amex BCE which gives you $84 per year in value. So indirectly only an effective $11 AF for me on the Citi trifecta. I’m on team hybrid and just started building the Citi trifecta and it will work nice for me as I’ll have options for cash back or travel. I also like the Choice 1:2 transfer as I stay at some Choice hotels throughout the year. I also have Amex Gold + BBP and plan to get Chase Sapphire next year for SUB and travel protection. It’s all about building a good toolbox of cards for me and reconfiguring spending based on my changing goals.
Completely agree! It's always a great idea to take a step back and look at your own spending/travel preferences, and adjust your CC setup accordingly based on spending optimization. Thank you for watching!
I think if Citi had better SUBs I would jump on it asap. I think Turkish as a transfer partner is insanely underrated. Nice video Matt!!
Agreed that Turkish is super underrated! And yeah I might just have to jump on the Citi Premier if they bring back the 75K offer. Thanks for your support Jake!
If Citi added a high value hotel partner like Hyatt, they could really make a splash in the community. Great video as always Matt!
Completely agree Jake! Already a fantastic earning Trifecta but if they beefed up their travel partners that would be huge. Thanks so much for watching!
I plan to use the citi custom cash for groceries as I get 8x on gas with the Wyndham business card, then use amex gold for dining and the venture X as my catch all.
Nice Joe that’s awesome! Sounds like you have a great point earning setup. Thanks for watching!
Now if only Citi would give me that AA card hahaha. Good video Matt
Haha for real 😂Citi be weird on applications sometimes. Thanks so much for your support as always Sledge!
@@Shawn.credit I haven't. I have too many 2% cards already and I never understood the 1% now, 1% Later thing.
I haven't tried the Balance transfer card but they have sent me a mailer several times for it
Excellent video, Matt! For some people, the Citi is a great trifecta to have. It’s one that I may consider having one day, but right now I’m working on completing my Chase trifecta. One thing I don’t like about the Citi Premier card is the high spend requirement to get the annual hotel credit on the card. At this time it would not benefit me because I don’t usually spend $500 on one hotel stay. Right now, I only have the Citi Custom Cash card and I usually use it as my dedicated gas card. For now, I’m holding on to the points I have earned from it for future use. Another card that can be added to this Citi trifecta is the Citi Rewards+ card to make it a quadfecta, which is a card I could see myself getting.
Thank you John! I completely agree with you- I wish the credit on the Citi Premier was given without any required spend similar to the Hotel Credit on the CSP. I'm actually in the same boat as you, we use my wife's Citi Custom Cash as our dedicated Gas Station Card, and are just holding onto the Citi Points for now until I either add the Citi Premier or high-tier Citi Card coming out next year in order to utilize all of those points for travel redemptions. Thanks so much for your support as always!
It’s funny, for the few videos done on the Citi Trifecta, I think I finally understand it a lot more now haha.
Very powerful setup for a lot of people out there, especially like the fact, as you said, you can cash out those points at 1cpp literally as cash in your account and not just statement credit I believe.
Great video as always Matt!
Citi and Chase are the best places to start for Hybrid. I just worry about Citi and Travel
Thanks so much Anthony! Yeah the Citi Trifecta can definitely work really well for people who want the optionality to be able to redeem points for both Cash Back & for Travel. Such a simple & straightforward way to accumulate a significant amount of points.
Agreed! It'll be interesting to see how that premium Citi Card looks next year!
I just feel Citi points are not as valuable as Chase & Amex. Not to discount the value you can get out of them because I have the Custom Cash and I think it's a great card to have. I may consider the Premier next year if I come across a good elevated offer..Great vid Matt💥
Totally fair point Mike! Especially if you simply just don’t get as much value out of the travel partners. Still gotta love the Custom Cash as a dedicated card for one category and the Premier takes those points further. Thanks so much for your support as always!
I’ll say that this is a common misconception, people like to say that Citi points aren’t that valuable but the truth is that they’re just as valuable as chase points but instead you get a hell of a lot more cause chase has some of the worst multipliers in the game imo
The citi lineup is super underrated. Not expensive with annual fees and also covers so many spending categories. You're right about lacking travel benefits. Hopefully, their new luxury card fits that category 💳
Agreed JP! And thank you for watching! Really pumped to see what that new luxury card looks like.
Let's Go!!! 👍
Thanks for watching!
Let’s goooooo!!!
Let’s gooo Ritchie! 🥈
I do think that Citi has a better earning system than Chase, Airline transfer partners are solid also. Would definitely consider it as a viable hybrid setup. Thanks for the video bro! 👌
Thanks so much for watching JP! And agreed, the Citi Trifecta can be super valuable for people who want a Hybrid option!
In the near future I won't be able to use the transfer partners of Citi so I won't be getting the Citi Trifecta. I don't want to have to figure out HI-CA roundtrips on Singapore or Turkish, etc.
Totally fair Kaina! You always want to accumulate points for points programs that make the most sense for your own travel preferences, and in a lot of cases that depends on the travel partners. Thanks so much for watching!
@@MattWelterOfficial I mainly travel from HI to CA for the next several years so I would like to be able to transfer points to airlines like Hawaiian and Southwest (and maybe Alaska, United, Delta and American).
@@kaina732 Gotcha! Chase makes a lot of sense in that case!
Bilt is the only program with American as well!
@@MattWelterOfficial if my youngest daughter moves off campus at college then I would get the Bilt to pay for her rent.
The Citi Trifecta would be broken beyond belief if they had Chase or Amex’s transfer partners or a premium card. Nice vid
Haha completely agree Elliott! They definitely have a very seamless way to earn points but one of the main limitations is definitely that the travel partners are a bit weaker.
Dumb question but new to this lol. I have the amex gold card. I want to downgrade it because it's just not as valuable for me as I thought it would be. Will I lose my points? Or should I use them before I downgrade?
Every question is a good question! You’ll keep the points if the account stays open. So if you downgrade the Gold to the Amex Green for example, you’d keep the points. However, if you cancel the card, then you’d have to utilize the points before doing so. Thank you for watching!
@@MattWelterOfficial thank you!
Of course!@@hookshankhewitt5615
Let’s not forget about the Godzilla Trifecta 😂
😂
Seriously, I heard that setup is POWERFUL 🦖
I've been tryna get into the citi eco system but they just won't let me in 🙄🙄🙄
Yeah that’s definitely one downside to Citi- they seem to be really sensitive to credit inquiries. Thanks so much for watching!
aint no way someone is team cashback and paying $95 for 3% categories the annual fee just doesn't behoove those of us trying to save
5x on your top category, 3x on most all other categories and 2x on everything else is a pretty solid earning setup for only a $95 fee.
I would agree for a basic travel setup, the main reason I disagree is you gotta remember cashback is 1cpp, there is no financial benefit in getting the premier over 3% cards from other issuers since we don't need to transfer points
Team cashback people are imo far more likely to product change that premier into a second custom cash, then open a Amex BCE, Wells Fargo Autograph, or Chase Freedom Flex. I know I want to at least join the other people who have multiple custom cashes
The unpopular rewards+ can turn that combo into a quadfecta, the rewards+ effectively gives the other cards 1.1cpp when you pool the points
@@kura_bot That's a very fair point! I could definitely see the argument for why 3x doesn't really cut it with the Premier if you aren't at all interested in travel upside. Instead two Citi Custom Cash's would be fantastic & a card like the Amex BCE or Amex BCP makes sense. Appreciate the feedback!
Great job on the video ❤
Hey Matt! I just received an email from Pushie about winning something because I’m subscribed to you there…is this legit?
Hey Bobby! Yes that is legit! Pushie partnered with me to giveaway a Gift Card to one of my followers over there. Congratulations!
@@MattWelterOfficial awesome man thanks!
That's Dope!!!
Of course!@@BobbyWhy
First!
🥇you are indeed!
@@MattWelterOfficial as always 😜