The Citi Trifecta is ALMOST Perfect (Here’s Why)

In this video we are talking about the Citi Trifecta and the 3 credit cards that make up this credit card setup. Those credit cards are the Citi Double Cash, the Citi Custom Cash, and the Citi Premier card which are all excellent on their own but even more powerful together in the Citi Trifecta setup!

The Citi Double Cash and the Citi Custom Cash both have no annual fee and are 2 of the most popular credit cards on the market. They both earn Citi Thank You Points which can either be redeemed for cash back or saved to later be redeemed with transfer partners on the Citi Premier card. The Double Cash credit card gets 2x points on everything while the Custom Cash credit card gets 5x points on your highest spend category each billing cycle. The Citi Premier credit card costs $95 per year, but is one of the best everyday spending credit cards because it gets 3x points per dollar at gas stations, supermarkets, restaurants, hotels, and airline tickets. So you’re earning Citi Thank You Points in many ways, and those points are very valuable when used the right way for travel! When redeeming Citi points, you will want to aim for at least 2 to 3 cents per point or more in value because that beats the standard 1 cent per point value of these credit card points for cash back.

However, even though you might be able to earn a lot of points and redeem them for travel by using the Citi Trifecta, there are still some areas where it falls short. Two major disadvantages are that there are no travel protections or benefits, and the Citi Double Cash also does not typically offer a sign up bonus which is sad to see.

Overall, I think the Citi Trifecta credit card setup is very solid for the average person that is looking to optimize the return they get on spending. The transfer partners and transfer bonuses that can be found on the Citi Premier can make the points you earn very valuable. But you need to be aware that you’re missing out on a lot of travel benefits and protections that most other premium travel credit card setups provide.

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The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

[KevinYang]

Honestly the Citi Trifecta is a really strong combo, but for my personal goals of maximizing for aspirational travel, I think Chase/Amex still have a higher spot in my list. It's definitely a simple a solid setup for cash back or low AF focused people though. Maybe they'll do a big revamp when the rumored Citi Strata finally drop! Sooo close to 100k, an early congrats Daniel! 🎉

[SpencerJohnsonOfficial]

If you're looking for the trifecta with the most earning categories covered with one lender, this is it honestly. It's a super solid setup if you're focused on earning a ton of points, but then again, if you don't value Citi points as highly as other lenders, then those earning categories don't matter as much. It all depends on your preferences, but this is definitely a great setup to consider!!

[MattWelterOfficial]

The Citi Trifecta is definitely one of the best Setups especially if you prioritize cash-back and getting exposure to all of the major spending categories. Custom Cash- High Spend Category, Citi Premier- Well Rounded, Citi Double Cash- Catch All. Those lack of travel protections on the Citi Premier is definitely a downside, we had our checked bags delayed, and they didn't come in, until the night before the last day of our honeymoon, so having those protections is so essential! Great video as always Daniel!

[MPG]

I never really paid attention to this before, but you do your videos so smoothly without really having to pause. It doesn’t even seem like you have to edit your videos from having gaps or mistakes. That is crazy, how do you even do that?! Do you read a teleprompter or something? Great video as well!

[cuprentisferguson]

Love the video. I have the Citi Double Cash and have accumulated a lot of points prior to learning about the Trifecta game. Like you, I'll wait until Premier is at a better sign up bonus before I jump in. Already involved with Amex and working on Chase currently.

[joshseals]

Great video, I love how you justify both sides! I'm 19, and your videos helped me get my first secured card, now I have over a 700 credit and am looking to start a trifecta!

[itsagreatday]

The Citi Trifecta is a great setup for a P2 who doesn't want a lot of cards or have to track spend categories. I have the Amex Delta Reserve card and got my wife the free Amex Delta Platinum AU version. Also got her as a free AU on my Citi Premier. So she keeps both in her wallet and starts the year out by using only the Amex. Once we hit 30k spend for the year (to get MQD waiver + MQM boost) I tell her to switch to the Citi Premier for the remainder of the year. Given the majority of her spending is gas, grocery, and dining, this is perfect. Agree the Citi Trifecta is underrated indeed

[itsagreatday]

Also the Citi Premier card is my go to card for International trips since Amex isn't widely accepted in Europe. It's nice having good earning spending categories even overseas

[the.creditgenius]

Next level video editing & value, Dan! 🙏🏼
I‘m so happy that I secured the Citi Prestige which is my main & favorite card ever. Hope they bring out a new one soon!

Main reason why I no longer recommend a Citi setup in my credit card consulting are the low limits especially on a major spend card like the Citi Premier. Hard to get more than 5k right now even for people who have 20k+ cards

[foto]

Premier vs Preferred...forgot that the Preferred has a $50 annual hotel credit too lower effective annual fee. But do wish it was regular vs online grocery. Trying to find a replacement for the Amex Gold now since I can't get the welcome offer and considering a Citi setup.

[Silvercp]

You hit the bullseye 🎯! Great job w explanation and selling it!

[paulcaskey]

The Amex Trifecta does address gas as the Platinum gives you a 10 cents a gallon discount through your included Walmart Plus membership.

[a.r.]

If you book a flight with Citi and use a different card to pay for the taxes and fees, you will still get the travel protections that the other card has

[kyleedelbrock]

I think a 2 player set up that doesn’t want to churn should have one person get into Chase trifecta (100, 000 points from subs for Hyatt and southwest) and the other into Citi (80, 000 points and great spend categories for Flying Blue and Choice)

[jazzey]

So i completed my chase trifecta and even added inks. I am in Amex pop up jail now. I just got the custom cash card to start my set up with Citi. Great video just in time

[RampageMaximum]

This video was really useful Daniel! After watching, I think I’ll skip on Citi Trifecta due to lack of protection and focus on my Chase. Chase Trifecta is my travel, Custom Cash and Double Cash are my cash back cards and eventually in the future when I travel more, I’ll look into getting the Amex Trifecta. I also have the Discover It and BCE cards since I’m team Cashback right now but eventually I’ll look into Bilt when I move out and Amex when I travel more. Thank you for your continuous advise and info! Can’t wait for the next one, appreciate all you do!

[Bangpaulxu]

Literally was looking for a video like this and you just dropped one! Thanks!!!🙏🙏🙏

[Qiuziarui]

The Citi double cash does have a signup bonus indirectly via AA advantage card with a 50k welcome bonus (free for first year). Then you can product change to the double cash and use the 50k points in other ways

[karthizzle]

The premier credit is actually super nice - and MORE than offsets the AF

[TheStallion]

I have the Citi Trifecta + Amex Platinum. That 4 card setup covers off on everything I need, great point multiples from the Citi cards and the premium access and Rakuten point multiples with the Platinum Card.