Citi Trifecta: Better Than Chase Trifecta?! How to Maximize the Citi Premier 2023

The most underrated credit card setup of 2023: Citi Trifecta. Combine the Citi Double Cash, Citi Custom Cash, and the Citi Premier for a straightforward, no-frills Citi Trifecta.

Timeline
0:00 Start Here
0:52 Citi Trifecta basics
4:39 Optimal strategy
7:39 Who shouldn't get these cards
9:23 Who should consider these cards

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[Ninia]

⚡️ so I was looking to get a new card and currently have thank you preferred which I had since college. Idk if this trifecta is what I would want to get into as I currently have the chase trifecta with sapphire preferred. Do you think this is worth it? If so how?

[jollyronacher]

Hey Sebby! I’ve been watching for like four years now, and might I say the editing in your videos has become absolutely amazing. Production quality on your end has improved so much, keep up the good work!

[Maxyy]

So glad people are finally giving the Citi trifecta some love. So underrated

[davisj]

This is going to be my primary setup. Already had the Citi Premier and DoubleCash. I was just approved for the Custom Cash 2 days ago. I already have the Chase trifecta, but their lack of higher multipliers for gas and groceries all year around made me consider the Citi Trifecta instead.

[dw]

⚡️ to answer the “no foreign transaction fee” dilemma, I think the Citi Costco Card is a fantastic solution. Yes there is an effective annual fee which is the Costco membership, but the amount of cash back you can get with costco gas, groceries and other purchases more than makes up for it too

[BrianKim]

⚡ This is my setup, with one addition: Citi Prestige. Yes, I know it's no longer available and the annual fee is high, but when you get to carry it at $350 annual fee (as I'm lucky enough to do), it's a $100 effective annual fee card with 5x TY on restaurants and airlines plus Priority Pass. Hope they don't get rid of it when they roll out whatever Strata cards end up being.

[nicecolor]

Can we talk about credit card approvals. You make it sound like all these cards are out there ready for grab. Citi rejects me every time I apply for having too many revolving accounts. My scores are all over 800.

[KyosukeKI]

I run the Citi Quinfecta (Custom Cash, Double Cash, Rewards+, Premier, and Prestige) very little overlap in categories and I've gotten incredible value from each of them. I hope they bring back the Prestige for new applicants since I'm grandfathered in.

[andrewilliams]

⚡️ ⚡️ ⚡️ I agree, it’s a great setup for someone looking for a simple, low annual fee, good value card setup. I wish I had this information when I first started.

[oaklandtoindy]

I really wish capital one would make the quicksilver rotating. That would be the killer trifecta setup with the venture x and savor one.

[Dwilsonmusic]

Just wish the cash back from the Costco Citi Visa was allowed to transfer to thank you points. THIS WOULD BE A GAME CHANGER

[LSC]

Get a custom cash for you and your spouse, then you have two fixed 5% categories for your family with a $500 limit each and every month. Pretty sweat.

[ramonsuarez]

I think one of the reasons this trifecta hasn't caught on is every credit card enthusiast gets turned down when they try to get it. 😂 One niche market it could serve is the road tripper. You get good points on gas and the best transfer partners possible for cheap roadside motels. It's the only card that gives 1:2 Choice. 1:1 Wyndham could be good if you take advantage of Caesar's and Vacasa Vacation Rentals.

[henrycarey]

Down the road I could see myself rocking this setup! It can cover 99% of the usual spend categories with a 2% floor and having one log in sounds amazing! I’m over here with 7 log ins and sometimes it gets annoying jumping through hoops. Simplicity is definitely a selling point for some people, me included! I think in 6 months time I’ll be applying for a custom cash 💵

[CJ_Version]

⚡ I love the DragonBall Z reference!

An easy setup I've been running personally is a Capital One setup with the Quicksilver, Savor, And Venture X. Originally I had the Venture Card and product changed to get the 10k yearly points. It's a pretty cheap setup compared to the others and you can just run the Savor and Venture cards for a 2 card setup.

[TallerTim]

What do you think about the limited time (06/2024) 10x points back on hotels, rentals, and attractions with the Citibank Premier card?

[LEVERAE]

I agree with your bull case but would add the citi ui as a bear case. They need to get on that.

[Quangcurry]

My trifecta is replacing the premier with the Costco card. 4% gas 3% restaurants, 5% custom cash for groceries. And double cash everything else. Best lineup with No annual fees.

[austinprice]

No travel protections, no lounge access, not investing in personal bank lounges ... Citi is definitely not serious about the travel industry. Cashback, sure. But if you're not Chase, Amex, or even C1 then you're not on the map right now.

[ThaguyMike]

I am currently working on my Chase Trifecta. I was considering adding the Gold card as my foodie card, I am now thinking considering adding the Premier. We are a family of 4 with under 100k in salary so we have to get as much points per spend with the least amount of AF possible.