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#CitiTrifecta
Timeline
0:00 Cost of the Citi Trifecta
0:56 Citi Trifecta
3:57 Who Should Consider the Citi Trifecta
5:03 Weaknesses
7:21 Meta Strategy
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40 comments
My wife and I both run a citi custom cash and have each other added as authorized users.
One card has Gas written on it the other has groceries and we have both on us at all times
Would u wait for the premier to get a better bonus?
I got the custom cash back in November. I used to use my BoA Cash Rewards for my dining to get 3.3% (or something a little over 3%) and have switched that to gas while I use my custom cash for all my dining. 5% back is great, and I don't think I've ever gone over $500 for dining. Got a sign up bonus of $300 for $1000, only shame is it has the lowest limit of any of my cards 😛
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Citi denied me a few months ago. I think because I had to many cards and never used the AA card after I got the bonus. So it was like an air ball 🏀
Very solid cash back setup 🏀.
This Citi trifecta can't hold a candle to Chase trifecta (and I say this even though I have no Chase cards) for one simple reason – the lack of travel protections.
Only Citi Costco visa features travel protections like accident insurance and rental car insurance. But that is due to the "Costco" part of the card and not because of the "Citi" part.
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Y'all never cook at home?
All Citi cards generate thank you points now, it's not required to have the premier to convert to thank you points
Great vid but I didn’t appreciate the far left wing cnn inaccurate news photo saying we cant solve the gas prices by producing our own oil. This whole gas issue it because we stopped
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One thing that wasn't mentioned was that Citi just got 3 new transfer partners via Qatar Airways Privilege Club transitioning to Avios that can be transferred between British Airways, Iberia, and Aer Lingus. That really unlocks a lot of booking options and puts them on a closer playing field with Chase/Amex.
Too bad (and pretty stupid) that opening and closing cards hurts your credit score. I get the importance of paying on time but this unfortunately adds an extra thing to consider when switching banks.
🏀 makes it easy to follow and understand
Cito still doesn’t have any travel protection or a luxury card anymore.
Has there been confirmation that you can PC into multiple custom cashes? My understanding was only one allowed per SSN
I would love the citi premier but I don't the redemption ways. I don't want a gift card, just give me cash back
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Basketball
diggin the outro music
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As team cashback I considered this, but there are some issues.
1. One can do a little better than 2% for catch all, there are several options.
2. Cards are MCs, so for Costco you're going to have to add the Costco card. For example Ally or USAA 2.5% handles both of these bullet points better.
3. Custom Cash is fantastic, and for team cash back can stand on its own. IMHO it's the best groceries card out there.
4. The Premier (again considering team cash back) doesn't really add anything here. Assuming a 2.5% catch all card, it adds 0.5% for gas, travel, and restaurants. Groceries are already covered by the Custom Cash. For me that 0.5% doesn't even begin to cover the annual fee or burden of carrying yet another card. As you said, the card doesn't really provide any other useful perks or insurances. The $100 hotel credit for bookings of $500 or more I found to be useless. The costs were higher to begin with via their portal.
So all in all, while it's a cheap setup, I don't really see it working as an optimal cash back setup.
The Citi Premier really does look like a solid points earning card. If it was used as a solo card it would be fantastic. I don't think I'll get it though because it would eat into my Chase/AMEX setup. Though I have considered getting it as a gas card. Currently my AMEX Hilton Surpass card fills that need. Thanks for the great analysis Sebby!
great video, basketball analogies work great 🏀
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Def wanna get this set up once I'm done with chase
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Love Kuma!
I think it's notable that citi custom cash card excludes Costco and Sam's gas stations. I fill up exclusively at costco or sams its usually between 30 to 50 cents cheaper. At gas prices around $4.35/gallon thats up to 11% cheaper so not worth the card. In comparison BOFA cash rewards take 3% and honors costco and sams gas. With that set up the savings together are up to 14%.🏀
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No transfer to Hyatt I’ll stay with chase
I just booked a KLM flight via Virgin Atlantic yesterday. They don't make it easy. The website kept erroring out and I had to call in and wait on hold for a while.
Great Video Sebby. I have been a Citi cards user for a long time, and I like their inexpensive setup. One great thing you may have wanted to add is that Citi Premier card gives you a $100 back on a single hotel stay that costs more than $500. I think this is something a lot of us can find useful– and also nullifies the entire cost of this trifecta. As pointed out by some of the other people here, their setup is more suitable for hotel redemptions than airlines due to lack of coverage benefits.
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I believe in on ⬆️⬆️always because I have deal with him and no red cap I bet him go get your cc from him not like the other craps..