Great video, Ben! I would differ slightly by getting the Custom Cash, Premier, and the AAdvantage Platinum Select, then downgrade to the Double Cash in the 2nd year. If I were to apply for any card, might as well get a sign up bonus with it. Since Citi is so flexible when it comes to product changes, American Airlines is also one of my go-to airlines, and being in New York, JFK & LGA are AA hubs.
Yeah that's a good call, since Citi allows you to product change across different series of cards, so you could get something that gets you a bonus and then downgrade to double cash
@@landocalrisian2014 its getting ridiculous that youtube is allowing these spambots to come through and try to scam people watching these channels in the comments section. Unfortunately, people reading the comments may send vital info to them spammers and get their identity and possibly money stolen, and ruined credit. I have spoken with a few of my favorite youtube people I watch and for some reason, they cannot seem to get rid of spammers. Somehow, youtube allows these spammers to create these fake accounts using names similar or identical to the person putting the content out there.
So many trifectas! Between this new Citi setup and the upcoming new Wells Fargo card line, it’s nice that people will have more options and can earn even more 👍
Get the reward+ for the quadfecta for 10% back when you pool all the TYpoints together. If you look at it this way, 5% back would net you 5.5% back, 4% back would net you 4.4% back, etc.
@@johnwick860 - Valid point for those who value the insurance coverages! ✈️💯 I personally don’t use the coverages, so the Citi Prestige is a great option 🙌
Citi trifecta is only for local purchases (electronics and appliances for 2 yr extended warranty) to be used for thank you points for transfer partners, never to be used for airfare purchases as Citi remove trip delay benefits and trip cancellation benefits
So bummed I wasn’t approved for the Custom Cash. But I went ahead and product changed my Double Cash to the Citi Premier and I’m happy with my choice. Love the $100 annual hotel credit to offset the $95 annual fee on the Premier.
How do you manage so many teifectas? For example you have to pick a trifecta and stick to it right? Otherwise there's opportunity cost. Sending on Citi and then spending on chase would cause you to lose value on both.
@@dugroz Any transfer has the 90 day rule you just should be ready if you transfer citi points from one card or another person to be able to transfer those points into a mileage account within 90 days
Citi is very sensitive. I was just denied the New CustomCash card. They told me I had an 839 Credit score but I didn’t have any balances on my cards. Say what!?!?!?
Citibank had a card a long time ago called the Citi Dividend card that paid 5% back on gas and groceries (all the time - not just for a particular quarter) and 1% on everything else. One catch was that there was a $50 redemption threshold - a bit higher than the $25 one that is more the norm today. Sadly the all the time 5% on gas and groceries did not last and the card became a rotating category card with often narrow categories that more often then not were not useful to me. I've heard some people still have this card - although you cannot apply for or product change to it anymore.
The double cash is an old favorite, but its not unique anymore. The custom cash looks great but none of the "premium" cards seem really worth it. I'd rather just take the custom cash and leave the rest on the table.
Is it even worth converting to points if they're only offering 1 cent per point? Also by taking cash back you can get cash back on your cash back (when you send it again). Understand it would be worth it for chase because they offer 1.5 cents per point. Also, would you consider replacing the premier with the Citi Costco card? Just seems to be better and no annual fee (assuming you already pay for a costco membership)
Yeah basically. If you start with Chase, then downgrade your cards at chase with an annual fee first then pick up Citi cards for their bonuses. (Or vice versa if you start with Citi).
@@akeilroberts3363 Yeah that was my thinking too. Hopefully it actually is competitive because in my eyes Chase’s sapphire reserve and Amex’s platinum were no brainers over the prestige. Unless all your cards were with Citi already.
Can I have four cards with Citi? I was thinking of getting theCiti prestige as main travel card, I have the Citi double cash already, and want the Citi custom cash, but I'm also considering the Citi rewards plus as well. To do a quadfecta.
If I got approved For I Citibank co branded card but declined for a 2nd branded card .Do I still have to wait the 65 days. To apply for that 2nd card again
Won't hurt to wait. Another thing to (what one thinks) to increase your chance is to use it in the first month and pay it off the next month. That is probably why it is 65 days is my guess.
@@rakraemer Was there at the bank today and the banker said they’re going to stop offering the card soon. Wouldn’t give me an exact date but said in the next month or two. They’ve also told me they were gonna come out with the custom cash card before it came out so they’re credible to me. Edit: existing cardholders won’t be affected but you will no longer be able to apply for it.
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Great video, Ben!
I would differ slightly by getting the Custom Cash, Premier, and the AAdvantage Platinum Select, then downgrade to the Double Cash in the 2nd year. If I were to apply for any card, might as well get a sign up bonus with it. Since Citi is so flexible when it comes to product changes, American Airlines is also one of my go-to airlines, and being in New York, JFK & LGA are AA hubs.
Yeah that's a good call, since Citi allows you to product change across different series of cards, so you could get something that gets you a bonus and then downgrade to double cash
@@TheCreditShifu you have spambots impersonating you in the comments.
@@a3sully Yeah I noticed that too.
@@landocalrisian2014 its getting ridiculous that youtube is allowing these spambots to come through and try to scam people watching these channels in the comments section. Unfortunately, people reading the comments may send vital info to them spammers and get their identity and possibly money stolen, and ruined credit. I have spoken with a few of my favorite youtube people I watch and for some reason, they cannot seem to get rid of spammers. Somehow, youtube allows these spammers to create these fake accounts using names similar or identical to the person putting the content out there.
So many trifectas! Between this new Citi setup and the upcoming new Wells Fargo card line, it’s nice that people will have more options and can earn even more 👍
Do the Chase and Amex trifecta again!
Get the reward+ for the quadfecta for 10% back when you pool all the TYpoints together. If you look at it this way, 5% back would net you 5.5% back, 4% back would net you 4.4% back, etc.
You could also get the rewards+ before the Double Cash, hit the SUB, then PC to the DC. Nets you extra points.
I’m on my quest to collect more cards than Yugi from Yugi-Oh
Gotta catch em all!
Citi’s lookin’ good for both cash back AND travel these days 😎👊💯
not for airfare purchases (no trip delay & trip cancellation), hotel purchases for Citi Prestige yes but not airfare
@@johnwick860 - Valid point for those who value the insurance coverages! ✈️💯 I personally don’t use the coverages, so the Citi Prestige is a great option 🙌
No citi card but I have my eyes on citi custom n citi double cash
@@Xtremeproducts - Both are great cards 💯
@@MarkReese yes they are
Citi Premier gives $100 credit on hotel stays of $500+ (once per year)
I feel like a lot of people are getting approved for that new Citi card. I want to apply but I just got two personal cards in the past month.
I was thinking getting one of the higher bonuses first, but you're right the new card may not have that same bonus next month or next year.
Citi trifecta is only for local purchases (electronics and appliances for 2 yr extended warranty) to be used for thank you points for transfer partners, never to be used for airfare purchases as Citi remove trip delay benefits and trip cancellation benefits
Compare each trifecta for a video next
Good suggestion 👍🏽👍🏽
@@landocalrisian2014 thanks ❤️
That chart was brilliant sir. Thank you for doing that work.
So bummed I wasn’t approved for the Custom Cash. But I went ahead and product changed my Double Cash to the Citi Premier and I’m happy with my choice. Love the $100 annual hotel credit to offset the $95 annual fee on the Premier.
But the $100 hotel credit is only applied to $500+ a night hotel booking. That's a high-end purchase. Essentially, a 20% discount.
I like it flexibly of the Citi Trifecta vs Chase. Great video! Thanks for the in-depth analysis!
Yes we want a 3 Way Trifecta comparison PLEASE with sugar on top😊
Making a video comparing this setup with the Amex and Chase would be great!
How do you manage so many teifectas? For example you have to pick a trifecta and stick to it right? Otherwise there's opportunity cost. Sending on Citi and then spending on chase would cause you to lose value on both.
I'm surprised you didn't give the rewards plus more love considering it's the only card with a points boost
Your could apply for one of the Citi American Airlines cards for the bonus then product change to Citi Double Cash in a year.
I got the citi double cash and plan on getting the custom cash later this year
Got the citi premier. I want the citi DC & CC
Do the trifecta video please
You should state that transfer points from cards expire after 90 days.
You mean if you move them from one card to another one, or to another person?
@@dugroz Any transfer has the 90 day rule you just should be ready if you transfer citi points from one card or another person to be able to transfer those points into a mileage account within 90 days
Do the same video for AMEX and Chase if possible. Awesome video!!!
Love this content, I just want to get the guy a good haircut
Citi is very sensitive. I was just denied the New CustomCash card. They told me I had an 839 Credit score but I didn’t have any balances on my cards. Say what!?!?!?
Why didn’t you mention the prestige has been closed to new applications lol
You should do a video where you talk about the history of the best credit cards from the past potentially 10+ years ago
👌🏽👌🏽
Citibank had a card a long time ago called the Citi Dividend card that paid 5% back on gas and groceries (all the time - not just for a particular quarter) and 1% on everything else. One catch was that there was a $50 redemption threshold - a bit higher than the $25 one that is more the norm today. Sadly the all the time 5% on gas and groceries did not last and the card became a rotating category card with often narrow categories that more often then not were not useful to me. I've heard some people still have this card - although you cannot apply for or product change to it anymore.
The double cash is an old favorite, but its not unique anymore. The custom cash looks great but none of the "premium" cards seem really worth it. I'd rather just take the custom cash and leave the rest on the table.
Is it even worth converting to points if they're only offering 1 cent per point? Also by taking cash back you can get cash back on your cash back (when you send it again). Understand it would be worth it for chase because they offer 1.5 cents per point.
Also, would you consider replacing the premier with the Citi Costco card? Just seems to be better and no annual fee (assuming you already pay for a costco membership)
Hey, so question! If I just want the custom cash card would I be able to use points versus cash if I do not get any of the other cards?
Don’t forget you can bring a 3rd wheel for free at the Lounges while others charge a fee. 😊
Do all of them but I would like the chase one first! Would it be worth having both the chase and citi trifecta or should you only use one
Yeah basically. If you start with Chase, then downgrade your cards at chase with an annual fee first then pick up Citi cards for their bonuses. (Or vice versa if you start with Citi).
@@Hypee559 alright cool because i only need citi premiere to finish the citi trifecta and the Unlimited for the chase trifecta that's y I was curious
Does PC count as "closing" an account and therefore reset the 24-month timer?
Same question!
Good video. That middle card is so bad, why do they even have it?
Get the custom cash then the premier. After a year downgrade the premier to a double cash. Then after another year get the prestige. 3 bonuses.
They’re discontinuing the prestige card soon, so you won’t be able to get that bonus in a year.
@@Hypee559 they’ll have replace or revamp it to stay competitive. Whatever that new card is get it.
@@akeilroberts3363 Yeah that was my thinking too. Hopefully it actually is competitive because in my eyes Chase’s sapphire reserve and Amex’s platinum were no brainers over the prestige. Unless all your cards were with Citi already.
@@Hypee559 I have no citi cards, gonna start with the premier
How about the custom cash + Premier + Prestige?
To the bank of Wyoming card trifecta
do the same video for chase pls...
Can I have four cards with Citi? I was thinking of getting theCiti prestige as main travel card, I have the Citi double cash already, and want the Citi custom cash, but I'm also considering the Citi rewards plus as well. To do a quadfecta.
Prestige isn’t currently accepting new applications, some people speculate it will be cancelled
If I upgrade to Premier, can I get the bonus?
what's the interest rate on all those Citi cards?
If I got approved For I Citibank co branded card but declined for a 2nd branded card .Do I still have to wait the 65 days. To apply for that 2nd card again
Won't hurt to wait. Another thing to (what one thinks) to increase your chance is to use it in the first month and pay it off the next month. That is probably why it is 65 days is my guess.
They need to stop with the master card and switch to visa
Would be great for Costco gas
DC & CC
Did the Premier get a new design on the card?
Yup, along with the prestige and rewards+ card, however they are discontinuing the prestige card.
@@Hypee559 where did you get that information? (about the prestige being discontinued)
@@Hypee559 so there is going to be no high Dollar card in citi’s line up????
@@rakraemer Was there at the bank today and the banker said they’re going to stop offering the card soon. Wouldn’t give me an exact date but said in the next month or two. They’ve also told me they were gonna come out with the custom cash card before it came out so they’re credible to me.
Edit: existing cardholders won’t be affected but you will no longer be able to apply for it.
@@charleswheat3251 I’m sure they’re going to come out with something more competitive. Or maybe not. Depends on them.
Of course you recommend max rewards, they pay you.
Why do people love buzz words so much? 🙄