The Most POPULAR Credit Card Setup (Chase Trifecta)

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Hey guys, in this video, I talk about one of the most popular credit card setups, the Chase Trifecta. This credit card setup is most commonly composed of the Chase Freedom Unlimited, Chase Freedom Flex, and Chase Sapphire Preferred cards. Not only do I give a review of all three of these cards in this video, but I also discuss some alternative Chase Trifecta setups you can build depending on your goals, what makes these cards so powerful in combination with one another, as well as why this setup might be overrated. If you’re looking to build out your credit card setup and are weighing your options, the Chase Trifecta is definitely one to consider in my opinion, but that is really only the case if you have a complete understanding of what this setup provides and ensure that it fits your specific lifestyle. If you’ve been wondering “Is the Chase Trifecta worth it?” or “Is the Chase Trifecta better than the Amex Trifecta, Citi Trifecta, and/or the Capital One Duo?” you’ve come to the right place.

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📚 Chapters:
00:00 The Gameplan
00:38 Chase Freedom Unlimited Review
03:03 Chase Freedom Flex Review
05:41 Chase Sapphire Preferred Review
08:57 Alternate Chase Trifecta Setups
13:20 Why Is The Chase Trifecta So Popular?
19:12 Is The Chase Trifecta Overrated?

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#chasetrifecta #chasecreditcards #creditcards

[SpencerJohnsonOfficial]

What are your opinions on the Chase Trifecta? 👇🏼

[MasonsTurtle]

I feel it’s only good if you only want to stick with Chase. But if you incorporate Amex and Capital One, it feels lacking.

[Paul_seekingthetruthU]

There is an offer out right now on both freedom cards for 5x on gas and grocery up to $12k for one year. It’s the superior offer.

[MattWelterOfficial]

I personally love my most common chase trifecta and still use my CFU as my catch all and CFF as my rotating Card, with the CSP giving me the additional travel upside. But yeah I completely agree with you on the CFU in that I could get 2x with something else but I simply value Chase points so highly the 1.5x back is worth it to me. I’m really pumped to add some of the Chase Ink Cards to my setup when I come out of Chase Jail later in the year as well. Love the flexibility with Chase Points and how they can be a good hybrid option for people who are open to Cash Back & Travel Redemptions, so love your points there. Great video as always Spencer!

[steve_rogers_usmc]

Brother, you really gave an in-depth review on Chase's trifecta. I really enjoy how you give your honest belief on a card (or set up) but still leave room for it not being for others. This is what sets you apart from other content creators.

[TheCreditFrog]

Need to get started on this setup at some point! It’s just hard because there are so many other great cards to get! Chase has such easy redemption options, which is another great draw to their system. Great comprehensive review of the Chase Trifecta Spencer!

Edit: Thanks for the shoutout! PYB was so awesome!

[carolinareyes]

Great video Spencer! I think your last point at the end is super important! Forming your own decisions on credit card is crucial because not all set ups will benefit everyone’s lifestyle. I remember when I first watched your channel last time, I thought I had to get Chase like asap in my set up. But I always reevaluate my setup and at the moment I don’t see the benefits fitting in my setup.

[TheZombaslaya]

The thing is... I like the Capital 1 setup, the Venture X gives a flat 2x on everything, if you're paying a high annual fee, they should give you at least that. Also, the Savor one is 3% back on groceries, you can't get that with this setup.

[MikeMaye]

Chase points are definitely some of the most valuable out there. I do enjoy my Amex trifecta I'm running mainly because of having the Schwab Platinum. Great vid as always Spencer 💥

[kmb]

Love my Chase Trifecta! I also have the OG Chase Freedom, which was a downgrade from a CSR a couple years ago.

[doomerconsumer]

One of my favorite videos of yours, and couldn't be more well timed for me as I am considering the CSP!

[ABagOfQuestionMarks]

I wasn’t interested in Chase, but since I learned that Southwest is a travel partner and Capital One and Citi aren’t with Southwest, this is probably my new plan. I still won’t be getting any new cards for another like 7 months, so maybe things will change again. Great video as always!

[khanscombe]

@ 5:10 Ben, he's blooming brilliant. I can't lie, to be fair mate, I found you cause of him. and now recommended videos for me. Cool stuff.

[undefeatedseem]

I’m just go with the chase duo I don’t need all 3

[ImKeeday]

I personally think the Capital one duo + Citi gas card (someone knows the name of it) is the best trifecta rn because the VX fee essentially pays for itself if you take at least one trip a year and the savior one card has 3x back on categories people actually shop for and VX has 2x on everything else. Can’t go wrong. In the future also there’s going to be more lounges so it’s looking up for CapOne whereas Chase is still looking good just a little complacent at the top imo. Amex is good too but that’s for the travelers who actually travel more than 1-2 a year versus the average joe like me who takes at most 1-2 trips a year.

[edbailey]

Great video Spencer! I can’t wait to start my chase card journey. Should be getting started at the end of this month. Great meeting you and everyone yesterday in Vegas. I am here till Wednesday 😈😂. I love this town

[SpencerChewitt]

Can’t wait to complete my own version of the Chase Trifecta. Great video as always Spencer!

[docsays]

No banks tri or bifecta is perfect, they all have limitations:

AmEx: too high AF, pts redemption restrictions

Chase: missing key categories & over lapping categories

Citi: no premium travel card & no travel insurance

Cap1: buckets, picky on approvals, so-so customer service, no gas multiplier

BOA: need preferred reward status to be competitive

US Bk: cant combine pts, not sure if they have transfer partners

WF: cant combine pts, no sub on built card & it doesn’t cover mortgage

So in the end just pick your poison, or create your own setup or just do cashback 🤔

[vickiarnold]

I have the chase freedom unlimited and flex.

[DJOctober]

As I’m still opening cards for SUBs without yet a core card set up for my spend, this video definitely helps in drafting a plan for what those core cards would like with a Chase only set up! Definitely want to add the CFF, CSP (or CSR), Ritz, and CIC to my CFU and Prime Visa!

Love your content.

- Ivan