Chase Trifecta: Still Worth It?! 2022 – Ask Sebby

by YouTube Team

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0:00 Start Here
0:31 What is the Chase Trifecta?
3:03 Value of Points
4:29 CSP vs CSR
7:09 Chase Transfer Partners
7:55 Redemption Example


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38 comments

Ask Sebby November 10, 2022 - 10:07 pm

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Reply
Javier Garnica November 11, 2022 - 6:28 pm

Does capital one have something like this? With there cards

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Sam Kim November 11, 2022 - 7:36 pm

🛡 Wife just referred me to a new CSR and planning to downgrade our current CSR to FF or FU after statement date and all UR points are accounted for (referral, multipliers, bonuses, etc.) to then transfer over towards new CSR.

Are we doing this right and would it be better to do Flex or Unlimited for 1st downgrade card?

Thanks Sebby for all that you do!

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ModernMoneyHabits November 11, 2022 - 7:36 pm

And now I start planning for my Japan trip I didnt know I wanted. Goals Life YOLO.👍

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Oshiro Xiro November 11, 2022 - 8:02 pm

🛡 I currently only have the freedom unlimited, but with the introductory bonus 1.5% on all spending(4.5% on dining/drugstores, 3% on all other categories) and the card just feels like a winner no matter what the spend is. When I do groceries I typically purchase from whole sale clubs, so always having that %3 back has me wondering why more people aren't talking about it. Is it not as good as I think it is?

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Sam Pugh November 11, 2022 - 8:10 pm

Wait Sebby has an onlyfans😂??? I definitely think chase trifecta is worth it. The multipliers are clutch

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iJDiesel H November 11, 2022 - 8:11 pm

At 5:43 you said CSR is 6 hours but the CSR is 12 hours 😂

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Steven Lynn November 11, 2022 - 9:50 pm

🛡 – Started with Amex trifecta. Still have to get the business card but the Platinum and Gold have been great. Got the 150k points the other day hit the account. Working now on the 90k points intro bonus. Might try Citi again Q2 of 2023.

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Dan Wirth November 11, 2022 - 10:09 pm

Maybe I’m the weird one but I’d rather take a 5K hit for a Maldives trip full cash than have to pay for 5 different 1k economy flights with cash. It hurts a lot more to have to pay more number of times even if it’s the same amount. Emotions play a big part in how we view money.

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lewis20002000 November 11, 2022 - 10:41 pm

"Sebby onlyfans" LMAOOOOO, don't do🙏 it or I'm suing.

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King Green November 11, 2022 - 11:10 pm

I think the citi trifecta is edging them right now

Reply
Carolina Reyes November 11, 2022 - 11:21 pm

🛡️🛡️🛡️
I have yet to join the chase ecosystem. I’m 4/24 but I last applied for a credit card in august and Idk which card to start off with since I don’t have one for gas or travel 🥲

Reply
tigerrx November 12, 2022 - 3:56 am

If you’re into getting free money to invest, Amex Schwab card gives 1.5% into your Schwab brokerage account, no annual fees.

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Eli Diaz November 12, 2022 - 6:39 am

Hey Sebby 🛡, I was wondering right now I have 220k ur points and 120 mr points with the trifecta csp and gold card. The question is do you think right now CSR is a better opción or Platinum? I fly 3-4 times a year.

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Edward Shaffer November 12, 2022 - 7:58 am

If I want to get into this, but right now do not have a chase credit cards, what would be the best credit card to obtain first?

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Legend 167 November 12, 2022 - 9:52 am

This is better then ASMR tbh listen to you talk about how to make get more out of my chase credit card is so soothing😊

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Tinaluvsdc November 12, 2022 - 10:56 am

🛡❤

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Carlos Montes November 12, 2022 - 1:40 pm

🛡

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Lori Hylton November 12, 2022 - 2:42 pm

🛡️

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William Medaris November 12, 2022 - 5:12 pm

I always use my Sapphire reserve for my rental cars. The entire $300 travel credit paid for my rental car expenses

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Manny Covington November 12, 2022 - 5:58 pm

🛡I am personally gonna finish off the Chase trifecta, hopefully soon in the near future, just because right now I'm in a spot where I want to do more quantity economical travel

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Paul Miole November 12, 2022 - 8:51 pm

🛡️

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Nippolitica November 12, 2022 - 9:19 pm

As I live in Japan and require that my cards have no foreign transaction fees. Unless they have changed it, the Freedoms make no sense for me, just the Sapphire Preferred, because I do most of my usage in Japan. Otherwise, I might get the cards for the other categories.🛡

Reply
Huiee November 12, 2022 - 11:22 pm

Where can I sign up for sebby’s onlyfans😂

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Clarence Choonoo November 12, 2022 - 11:58 pm

"Sebby's Only Fans" LOL!

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Clifford Jacobus November 13, 2022 - 12:05 am

🛡️

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James L November 13, 2022 - 1:49 am

Drop onlyfans link

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McLOVIN November 13, 2022 - 4:10 am

How do we know which flight partner to transfer to? Like I don’t think I would know to book virgin air which then books me an ana flight.

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jz November 13, 2022 - 5:24 am

I use the cip+ciu/cff/cfu+hyatt

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Spencer Johnson November 13, 2022 - 5:27 am

I 100% agree with what you said at the end. Chase points really are for everyone where other points generally require you to use them for aspirational trips which may not be realistic for some. They're the most flexible points in the whole game in my opinion, and that's why they're still my #1 choice with Amex in second. Great video Sebby!

Reply
Kunal Mishra November 13, 2022 - 10:09 am

🛡 I think it’s super interesting. I used to be a big Chase fan because I think when you’re running a 1 card setup, a CSR is the single best card across the spectrum to use — it earns well on normal spend, has great travel perks (priority pass/travel credit/lyft multiplier) and protections (VISA Infinite), can toggle between a hyper-cash-back card or full on travel monster (both of which are desirable to different types of people), and feels great to use as a heavy metal card on a day to day basis. 

The moment you decide you want to get a little more complicated and try using 2+ cards, I feel like the Chase ecosystem loses its luster to some degree. About to downgrade my CSR to a Freedom Flex and pretty much solely rely on two of the cards I opened this year to do everything my CSR did… but better: a Venture X (pros: cheaper, 2x on base spend, same protections and travel perks minus Lyft multipliers) and the BILT Rewards card (same dining multipliers, same and better transfer partners, and 4500 points/month from rent = the equivalent of $1500 of dining spend “automatically” each month).

When you get into that 2 card setup (and in my case, having the freedom flex on the side there for the quarterly 5% categories in…. groceries? and 5x constant for lyft as well?), I think it just about edges out the Chase trifecta (or a single CSR hoofing it alone) in every way, despite liking how versatile and elite the CSR is as a 1 card setup. For non-renters, an Amex Gold and Venture X combo feels like it probably also comes out on top too and I’m just not sure what the value-add-over-replacement of the trifecta is if you’re going to spend money on more than 1 card (the CSR) 🤷🏽‍♂

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Alfie Hughes November 13, 2022 - 12:08 pm

🛡️

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Allen Hubbard November 13, 2022 - 4:09 pm

I've been unsure about the market due to volatility, at the same time I still feel it's the right time to make profit cos of the price decrease, heard someone speaking of making over $500k since the lockdown and I'm driven to ask what techniques/skillset is needed to achieve this

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ArmandRose TV November 13, 2022 - 5:57 pm

I think I need a🛡to hide my eyes from Sebby's Only Fans! 😂
I'm running the CSR | CFU | CIU. Hoarding the points for a big Asia trip one day.

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Raymond Dunkerley November 13, 2022 - 8:54 pm

For the drug store, does that also include Costco Pharmacy?

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Reith Hardhead November 14, 2022 - 2:31 am

Sebby's OF? WHAT

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conenubi701 November 14, 2022 - 5:16 am

"Sebby's OF" Cracked me up LMAO. Love watching these videos even though I already know everything here. Great stuff man, love to see how the channel has grown over the years

Reply
LW November 14, 2022 - 10:11 am

His videos are the same over and over lol

Reply