The LEAST Discussed Credit Card Setup (Citi Trifecta)

Click ‘show more’ to see ad disclosure

-

Hey guys, in this video, I talk about one of the most severely underrated credit card setups in existence, the Citi Trifecta. On YouTube, you’ll find plenty of videos discussing the Chase Trifecta, Amex Trifecta, and even the Capital One Duo these days, but Citi’s credit cards are often left out of the conversation. The Citi Trifecta is composed of the Citi Double Cash, Citi Custom Cash, and Citi Premier card, but you can also add the Citi Rewards + card to it to make a really solid quadfecta. If you’re looking to build out your credit card setup and are weighing your options, the Citi Trifecta is definitely one to consider in my opinion. If you’ve been wondering “Is the Citi Trifecta worth it?” or “Is the Citi Trifecta better than the Chase and/or Amex Trifecta?” you’ve come to the right place.

—

Card Links:

1-on-1 Calls:

Products I Use:

Connect Deeper:

Watch Next:

CONNECT with me:

📚 Chapters:
00:00 Is The Citi Trifecta Worth It?
01:35 What Is The Citi Trifecta?
02:39 Citi Double Cash
04:08 Citi Custom Cash
06:11 How I Bring My Credit Card Setup To Life
08:08 Citi Premier
10:11 Citi Rewards +
13:37 How To Maximize Citi ThankYou Points (Transfer Partners)
16:41 No Overlapping Categories
17:24 No Spending Caps
17:40 No Airport Lounge Access
18:09 No Travel/Other Protections
19:04 Lack Of Upside Value
19:19 Citi’s Application Rules
20:03 Is The Citi Trifecta Underrated?

—

Advertiser Disclosure: Some of the card links and other products that appear on this website are from companies which Daily Drop/YourBestCreditCards will earn an affiliate commission or referral bonus. Daily Drop/YourBestCreditCards is part of an affiliate sales network and receives compensation for sending traffic to partner sites. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies, or all available credit card offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

#cititrifecta #citi #creditcards

[SpencerJohnsonOfficial]

EDIT: I forgot to mention in the review portion for the Citi Premier that it also gets 3x on supermarkets. I mentioned it later in the video, but I wanted to make sure I made that clear!



Do you think the Citi Trifecta is underrated? 👇🏼

[x]

Amazing explanation. Citi trifecta is criminally underrated. I just wish they had a bigger business cards setup

[crazykenbei]

The custom card is definitely one of their most refreshing cards they've come out with. The rewards+ im told is the card to use for purchases less than 5 dollars as the round up feature really comes alive there.

[MattWelterOfficial]

The Citi Trifecta is definitely super underrated and honestly isn't really talked about at all. The Premier Card is super well-rounded with the multipliers, the Double Cash obviously being a great option as a catch all, and the Custom Cash being a great option for something like Gas Stations. Citi still has decent travel partners as well in terms of transferring out those points to travel partners. Great video as always Spencer!

[jordancutchin]

I use the citi premier as my main card. Definitely a great earner points wise. One thing to note is it still has purchase protection and extended warranty. Not overtly advertised but it is there. I had to go into the card benefits section online once I got my card to find it.

[TheCreditFrog]

The Citi Trifecta is definitely a great setup to consider! If only it was easier to get approved for the Premier card, that one is always tough to get approved for and it’s hard to figure out why. Nice overview Spencer!

[ChaseYokoyama]

The Citi Custom Cash ALONE is a pretty amazing card. It is such a unique card in the way that you have so much flexibility with what category you can earn 5% on every month. It really adds to the power of the trifecta 💪🏼 Awesome video Spencer!

[nicolejacob]

I just found your channel while searching for a well rounded review of the Citi Custom Cash card and cannot say enough about how helpful your reviews have been. I love that you list both pros and cons, as well as going into detail of how to best utilize the cash back features and points for travel. Your page and your videos are awesome! Thanks for including Odin too 😊❤

[AmericanWears]

I’m not sure if it’s just my experience but disputing something through citi is ridiculously simple fast and effective. I disputed something and it was credited right away as a permanent credit no questions asked or documents uploaded.

[biancas]

Citi cards are pretty underrated. This was a great breakdown of the value you can extract from this setup. I currently have no Citi cards, but now I’m considering adding some.

[johnmckinstry]

This video covers just about every pro and con that I can think of regarding the Citi Trifecta! Overall, I think the Citi Trifecta is underrated. In my opinion, the Citi Double Cash is a bit overrated, but the other cards are underrated. The Citi Trifecta is probably one of the best trifectas because it provides good rewards in almost every high spending category for most people. The Citi Rewards+ card is definitely an underrated card, and I think a lot of people can benefit from it. It is definitely one of the cards that I am interested in getting. The Citi Premier card is also a good travel card. The only thing I don’t like about it, other than the lack of travel protection, is the fairly high spend requirement to earn the hotel credit. It would be better if the hotel credit on the Premier was more like the hotel credit on the CSP. This is a trifecta (or quadfecta) is something I could see myself having one day. Awesome video!😊

[BruceM]

Spencer, this was a really helpful and clear video that opened my eyes to the usefulness of some of the free Citi cards. Until you spelled things out so helpfully, I had kind of ignored them all these years. I just applied for the Custom Cash (for the 5% categories and the sign-up bonus), using your link, and I plan to apply for the Rewards+ card soon, mainly to gain the 10% point rebate after point transfers. Please keep up the great work.

[CosplayOverlord]

I converted my Citi AAdvantage card into a Citi DC card today. Beginning the road map to my citi trifecta now by setting it up first by getting the cards one at a time!

[eduardocaudillo]

Just got approved for the Citi Premier! 🎉 I tried to do the pre-approval for Capital One but they said I wasn’t eligible so I went with Citi and I got approved.

[JoshGiebel]

Awesome breakdown of the Citi setup! I think the Custom Cash in particular is great for anyone, and the Premier has a better variety of multiplers. I am wary of the lack of travel protections, but the setup should be nice for those in the late stages of the credit card game (and have “better” travel cards for perks/protections). 👍

[JonsCreditAndTravel]

Great video Spencer. Very informative. In ways, the Citi tri/quadfecta is definitely underrated for sure and should be on everyone's radar at some point in their credit card journey

[Christian-qs]

Howdy, I’m from the future 👋. City Double Cash officially has a welcome bonus! Oh and I’m somewhat new to credit cards (has average now I have pretty good credit score) so hearing about a trifecta.. is spot to take on to say the least 😅

[swieder]

Thanks so much for the video, can't wait for the rumored citi strata elite to come out. 1 thing you missed is that the premier actually gives you 3x on groceries

[fluffywarhampster]

The citi trifecta is definitely underrated and the rewards+ card rebate feature wasn't even something I was aware off. The main pitfalls really are citi's lack luster transfer partners and that they constantly gut the protections on their cards. For me they're going to be a late game play since I just finished the chase trifecta and the cff has gas this quarter so I can delay the ccc but for me it made more sense to prioritize lenders like chase and cap one in the early game since my first "premium" card was the amex gold.

[AnthonyVenture]

It was great to learn about the CITI side of things with this video, it’s in the dark for most people since like the title says, it’s least talked about ha.

Honestly very powerful, Custom Cash alone has always been a heavy hitter. But I found the most interesting takes for the Discord conversations, wasn’t aware of the rebates, bonuses for transfer to those hotel chains etc and is super valuable info.

And great point about paying the taxes and fees with cards that have travel protections!

Nice Spencer, this was great!