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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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29 comments
💳 Sebby's Card Picks: https://www.asksebby.com/credit-cards
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Sebby..quick question. What's your favorite Hyatt in Tokyo?
Custom cash points can't be transferred for travel, only cash out or gift cards. Can't transfer to premier either. that was disappointing and makes this set up not good for me.
The basketball references> we see you Seb
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.
I agree with your bull case but would add the citi ui as a bear case. They need to get on that.
⚡️I'm still in Chase's world, but this does seem like an interesting setup to run.
So glad people are finally giving the Citi trifecta some love. So underrated
Great breakdown!
Don’t forget about the Amex EDP with its 3X on gas (w/ 30+ transactions)
⚡🌩️… Sebby this was my fave video so far because I will soon be using the Citi Trifecta as my main setup… Just waiting to see if the Citi Premier 80k SUB returns and/or what these potential Citi Strata cards have to offer? Hopefully one of those things will happen soon, Im planning to take my wife to Hawaii sometime next year for our 10th anniversary, and I wanna use that sweet Turkish airline deal
⚡️Is there a way to get economy flights or hotels consistently at 2+ cpp with partners? Seems like the only way to beat that is with international and premium travel
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Another great video, great runnin into you a few weeks back at the JFK Centurian, thanks again for all the advice, Dave
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⚡⚡⚡Thanks Sebby, always enjoy your Credit Card critiques!!!
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Capital One SavorOne easy pickup.. ehh not for me. Capital One will never issue me a card it seems
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Has anyone heard about the wait time for receiving the cards after approval being really long? I've heard some stories recently but wasn't sure how widespread it was.
Citi looks ok. Hyatt is my favorite transfer partner though so I'll stick with Chase for now. ⚡️
Question for you. I’m just getting into cards. How often should you wait in between applying for cards?
Thanks for the great content as always question for you I applied for Capital 1 Savor card and got denied, I have an 808 for Transunion, 788 experian and 819 for equifax. The reason for denial was Based on my credit report from one or more of the agencies there are too many new revolving accounts. Is there a reconsideration line for Cap 1 and how long do I have to use the line is it like 7 days from the date of the letter, 10 days etc. Keep the content coming
Just wish Citi had better hotel transfer options… That would make this setup OP.
Sebby have you talked about the Silicon Valley Bank collapse? Since your located in San Francisco and you talked about being part of tech investments, were you affected?
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Good, useful content but your sound quality is atrocious and makes your videos almost unwatchable. All bass. Blech.
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.