The BEST Credit Card Trifecta You've Never Heard Of

Today, I'll be presenting a new and improved credit card trifecta setup that you’ve probably never heard of.

There are so many great credit card trifectas out there! Three seems to be the magic number for credit card setups, whether it be the Amex Trifecta, the Chase Trifecta, or some other Trifecta.

But with changing consumer habits and countless credit cards to choose from, new and improved setups can potentially get you more value than the tried-and-true cards of the past.

I’m sure many of you have noticed the increasing access of mobile wallet payments at your favorite retail stores, grocery stores, gas stations, and even some restaurants!

That’s because mobile wallets are a convenient way to leave our credit cards at home but still have access to them, just like we always have for our everyday purchases.

And since mobile wallets cover multiple categories, traditional credit card categories that we’re familiar with can be lumped into one single category, the mobile wallet category, this can be covered into a new category, the mobile wallet category!

Of course, mobile wallets aren’t accepted everywhere, and these exceptions will be how we choose the other 2 cards in our trifecta.

The first card in the trifecta is the US Bank Altitude Reserve card, where you get 3X points back for mobile wallet purchases. This includes Apple Pay, Samsung Pay, and Google Pay. These points can be redeemed using the Altitude Rewards portal or by using Real-Time Rewards for a redemption rate of 1.5cpp, totaling a value of 4.5X points back on your mobile wallet spending! This card does come with a $400 annual fee, but it has an easy-to-use $325 annual statement credit for eligible dining and travel purchases, lowering the effective annual fee to just $75.

The second card in the trifecta is the Bilt Mastercard. Some restaurants do not have the option to use mobile wallets to pay while dining in, or it may be inconvenient to do so, so we need a card with a great dining multiplier. This card earns 3X points back on dining, 2X on travel, 1X on rent, and 1X points back on everything else for no annual fee. The points can be transferred out to transfer partners for elevated value, most notably American Airlines and World of Hyatt.

The third card in the trifecta is the Paypal Mastercard to cover online shopping where mobile wallets are not accepted which gets you 3% cash back on Paypal purchases and 2% cash back on everything else for no annual fee.

What do you think of this Trifecta - is this something that you would use? Let me know in the comments below!

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Chapters:
00:00 Intro
00:30 Why THIS Trifecta
01:27 New Credit Card Trifecta
12:37 Outro

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Note: This description contains affiliate links, meaning that I may earn a commission if you click through these links and successfully apply, sign up, or buy the product or service mentioned.
 
Disclaimer: I am not a financial advisor, accountant, or lawyer, and as such, I do not provide financial, tax, or legal advice.  This video, and any ideas presented in it, are opinions and are provided for entertainment purposes only.  Please do your own research and consult your own financial, tax, or legal professional for specific advice.
 
#creditcard #usbank #bilt

[joshua.butler]

Love that you're exploring alternatives to the normal setups! Overall, I think its a nice setup. I like that you included the PayPal card to cover expenses that aren't payable via mobile wallets. Nice video 🤩

[AnthonyVenture]

I love the the new trifectas coming out now! This was a very interesting mix of cards, and that Altitude Reserve could be very powerful! I like that you mentioned it’s not really the greatest aspirational travel card, but almost works like a cash back card.

Loved the video Stan!

[jimmyjames]

Very interesting setup! The BILT CC is definitely a game changer for a lot of people. Thanks for the info + video!

[WealthOfOpportunity]

Creative way to look at this trifecta! Always interesting to see how this goes and would love to see someone run this in real time.

[LK_EBM]

Loving the extra infographics and animation! Your video editing has improved!

[RemGb]

Another unique plus with USB AR is when travelling abroad and making payments using mobile wallet not only do you save on foreign transaction fees but you also get 4.5% effect cash back which is fantastic if you ask me considering how much we end up paying on vacations. Most European and many Asian countries accept Mobile wallet payments everywhere. In my last European vacation was able to use mobile wallet payments every single place.

[MattWelterOfficial]

Love the coverage for a very underrated yet powerful setup especially for Mobile Wallets! 5% back on Mobile Wallet purchases with that No Fee Kroger Card is awesome (at least for the first 3k in spend). Great video as always Stan!

[rogerarana]

Great video I have the AR us bank I’m planing to get Altitude Go

Great video !!

[SpencerChewitt]

This setup is indeed BILT different! Great video Stan!

[CesarJoel]

Interesting setup Stan! US Bank has great cash back cards and the PayPal card is underrated. I’m a huge fan of the Bilt card and I don’t pay rent. Great video and information Stan! ✌️

[SledgeIncTeam]

Let's Go Stan! Great Set Up... Two of the Same Cards That I have in The God Tier Superfecta: Bilt Mastercard, Curve Mastercard, Amex Business Gold and The PayPal MasterCard

[michaelkeaton]

I always enjoy seeing different setup options. It's easy to say AmEx or Chase trifecta or bust, but there are so many different combinations that could work for people out there. I recently did a comprehensive analysis of my household's spending, and I'm going to try to find the best setup. I have a lot of cards, but I have to admit that I signed up for them due to FOMO and feeling that that's what I should do.

[gsctrading]

Nice thinking out of the box! Great set-up, seems like the anchor of this trifecta being the AR with an effective 4.5x for mobile wallet purchases is excellent. I guess the main drawback here is US Bank's reputation for (a) being too stringent and denying applicants even with good scores, (b) giving low limits, and (c) doing hard pulls on credit limit increase requests. That makes for a tough comparison with the much more reasonable Chase, Amex, BOA, etc...

[SpencerJohnsonOfficial]

I'm telling you man... every time I see that Altitude Reserve in a video it makes me want to get it. This is a really intriguing trifecta and I could see it being really powerful for folks!! Great video all around as always Stan!

[DJOctober]

There are definitely alot of options out there, what a nice breakdown!

Probably not a card I would add personally, but I had no idea the Kroger card even existed!

Have a great one, Stan!

- Ivan

[LukesPointsandMiles]

I love the cash back set ups. I would use that one in particular because I don’t pay rent but I love seeing these set ups and I want to put one together for like 75% of my spend one day

[OfficialChadsMoneyMinutes]

Great job Stan I've always been a fan of alternative setups to get the job done!

[ChaseYokoyama]

Very creative trifecta setup Stan! 👏🏼 If I want to use this strategy I gotta learn to use mobile wallet 😅 Don't know why I always pull out my wallet when I can just use apply pay

[albertchi]

Hello Stan, thanks for the knowledge. Just wondering which card would you use for phone bills and other utilities such as medical bills in this set up?

[DerikAasansLevelUpTravel]

I have the US bank Altitude Reserve Card. It’s the best CC hands down!!