Citi Credit Card Expert - Reveals Best Strategy!

Citi Credit Cards - Best Strategy! I will show you why this Citi credit card setup is the best strategy! After this video, I'm certain that the Citi Magnificent 5 will be on your roadmap.

The 5 Citi cards depicted in this video definitely makes this the best strategy in using Citi credit cards. Be sure to sit through the entire video where I walk you through 4 use cases culminating in the Citi Magnificent 5 earning over 100,000 points on small regular spend. Let keep in mind that 100,000 Citi ThankYou points = 2 round-trip trips from Boston or JFK to Barbados on Jet Blue.

Travel Channel: @RichardDebs

Here are some of my favorite videos:

#citibank #citidoublecash #citicustomcash #citipremier #citipriority #creditcardrewards #citimagnificent5

[RSquared-travel-rewards]

I hope that you all recognize how powerful this setup is in 1 family. #CitiMagnificent5 #subscibe #CitiMagnificent5+
I'm on board with add the Citi Reward+ to this setup but I focused on elevating the Citi game from a Trifecta to the Magnificent5. However, I'm personally going to add the Rewards+ to make my setup the CitiMagnificent5+

[chadpennycuff]

Why no love for the Citi Superior 6? If I were to rock a Citi setup, I'd add a Rewards+ to the sock drawer for the 10% Points Back Feature. "Get 10% Points Back when you redeem, up to the first 100, 000 points redeemed annually." That's an easy 10k point bonus. Are you even playing the game if you don't redeem 100k points a year?

[reptilesgamers]

11:30
How much can 100, 140 city points be redeemed in cash? We still had to pay a 95$ fee.

How would this play out at $1, 815 doing this same calculations?

US Bank Cash+ for Utilities and Streaming 5%
AAA Daily Advantage for Groceries 5%
AAA Travel Advantage for Gas 5%
Citi Custom Cash for Dining 5%
Chase Prime Visa for Amazon 5%
Amex Delta Gold Card is my catch all for everything else

[De_Guatemala]

I have the Citi Trifecta and use the Chase Freedom Flex and Capital One Savir One for my Fab 5.

[RunBuddyRun]

I'm on my way. It will take a while, but I have 2 of 5. I wonder what the Citi Strata Elite would do to this setup if it ever launches.

[SuntaX]

Hey have you used citi's travel insurance? How was it? What about the other credit card benefit like extended warranty? Because of you I got the strata premier and I really like the set up! Thank you!!

[yurig]

If you have 5 CCCs in your example, then you'll get 108900 points per year.

[omni]

You should remove the drugstore line, and add an average "other" monthly spend category, that would really show the difference since in your example you're only gaining 100pts per month with this setup, not worth adding another card/account for $1/mo.

[DiamondRyce]

Does its make sense to add the rewards+ card to this setup to get that gets 10% points back it has. I would imagine transfer partners counts as redemption right?

[wigandweirich]

Can you please describe the way to get 3 CCCs?

[Adiscretefirm]

Can the Rewards+ be product changed to a CC? Does it make sense to get a Rewards as a 6th card just for the redemption bonus?

[jimmyjames]

Dang! Can't beat those earnings for only $95. WOWZA. Thanks for the info + video!

[AnthonyBove]

I’m going to be jumping on board with this very soon

[michelleberrett]

I will be running both the Citi quadfecta with any extra custom cash cards that I acquire, the Chase trifecta with the Sapphire Reserve, my Discover card, and my Costco card for Costco gas. I will be using the catch all card on the points that I value more for what redemption I am looking at. I will be getting my first Custom cash, Freedom flex and double cash all by early summer of next year. I already have the Chase Sapphire Reserve, Chase Freedom Unlimited and Citi Strata Primer. The Rewards+ card might come after I get some more cards in my secondary setup that currently mainly has the IHG Premier Card and Amazon Prime Card. I have some high spend so I think that I will be getting better value with the Citi quadfecta with the extra 10% bonus at my current spend than I would with the Citi Magnificent 5 but that does not mean that I will not be looking to get more custom cash cards in the future.

[Mrcocol]

Richard, as always dropping value on your videos. I am at 2/5. My question for you is what was your path to get there? Get a CSP and then downgrade? would you recommend the Citi AA route (getting a citi aa card then product change it to a CCC??

[yurig]

Convert DC to CCC after a year, I did convert all of them except of Prestige, AT&T AM and Sears (you can't convert Sears anyway, and it's the best Citi card).

[popoy]

Does Walmart or Costco fall under 1 of the categories in Custom Cash?

[ayamaikarim]

Your set up is great, I am lucky to get just Trifecta. I am applying for Citi Custom Cash in 2 months after gardening for 12 months to be 0/12 since Citi is sensitive to inquiries. At the moment my interest to transfer points to Choice Hotels since I am into road trips, will start with Wells Fargo since their cards are visa which I can use at Costco for inside store purchases and gas, once I am done will go after Citi cards in 2nd half of 2025. Wells Fargo and Citi do transfer points to Choice at a 1:2 ratio

[yurig]

I have Citi Magnificent 13 (Prestige, AT&T AM, Sears and 10 CCCs). Hello from southern neighbors. Levanon, boker tov!

[justmcclend]

Another one 💎! I only have the double cash back but hopefully in a couple of years I’m going to have this setup.🤞