Right here at TPG, we’re all about serving to you get the most effective return in your spending. There are a number of playing cards that earn bonus factors, miles or money again in varied classes, so in case your pockets lets you earn at the least 2 factors (or 2% money again) per greenback each time you swipe, you are doing properly.
Many issuers permit you to maintain a number of rewards bank cards to maximise your earnings of their loyalty foreign money. Citi ThankYou Rewards might be an amazing choice for you, particularly in case you’re trying to keep away from excessive annual charges.
That is as a result of the Citi Trifecta, a complementary setup of three Citi bank cards that lets you maximize your incomes potential within the Citi ThankYou Rewards ecosystem, could be attained for lower than $100 yearly.
To accumulate the trifecta, you may want so as to add the no-annual-fee Citi Double Money® Card (see charges and costs), the no-annual-fee Citi Customized Money® Card and the $95-annual-fee Citi Strata Premier® Card (see charges and costs).
The knowledge for the Citi Customized Money Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Here is what to know concerning the Citi Trifecta and why it might be a strong selection in your pockets.
What’s the Citi Trifecta?
The Citi Trifecta is a card setup containing three playing cards that earn Citi ThankYou Rewards. Whenever you pair the Citi Double Money, the Citi Customized Money and the Citi Strata Premier, you may have a pockets that earns at the least 2% again on all purchases and as much as 10 factors per greenback spent on sure classes booked by means of Citi Journey.
Although the Citi Double Money and Citi Customized Money playing cards technically earn money again, these rewards are literally earned within the type of Citi ThankYou Rewards factors, and they are often made into totally transferable factors when paired with the Citi Strata Premier Card.
Citi ThankYou Rewards factors redeemed this manner could be transferred to one among 20 loyalty program companions and are value 1.85 cents per level, per TPG’s July 2025 valuations.
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What playing cards are within the Citi Trifecta?
Three playing cards are required to kind the Citi Trifecta:
Plus, you may have one other choice to create your Citi Trifecta when the Citi Rewards+ Card is rebranded because the Citi Strata℠ Card beginning July 20.
Let’s get into the main points of the three playing cards at present out there for brand new candidates to see how they match collectively.
The knowledge for the Citi Rewards+ and Citi Strata Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer. The Citi Rewards+ is now not out there for brand new purposes.
Citi Double Money Card
Annual payment: $0.
Welcome provide: Earn $200 money again after spending $1,500 on purchases within the first six months of account opening.
Incomes charges:
- Earn 5% again on resort, automotive leases and sights booked with Citi Journey.
- Earn 2% again on each buy, with a limiteless 1% money again as you purchase, plus a further 1% as you pay for these purchases.
The Citi Double Money is a superb catchall choice that ensures you may at all times obtain at the least 2% again on all of your spending. When paired with the Strata Premier, its rewards develop into totally transferable, guaranteeing you earn at the least 2 ThankYou Rewards factors per greenback spent on all purchases.
To study extra, try our full assessment of the Citi Double Money.
Apply right here: Citi Double Money Card
Citi Customized Money Card
Annual payment: $0.
Welcome provide: Earn $200 money again after spending $1,500 on purchases within the first six months of account opening.
Incomes charges: Earn 5% money again on the primary $500 of purchases in your prime spending class for that billing cycle. The classes included are:
- Drugstores
- Health golf equipment
- Gasoline stations
- Grocery shops
- Residence enchancment shops
- Reside leisure
- Eating places
- Choose transit*
- Choose journey**
- Choose streaming providers***
*Choose transit is outlined as automotive leases, ferries, commuter railways, subways, taxis/limousines/automotive providers, passenger railways, bridge and street tolls, parking tons/garages, bus strains, and motor residence and leisure car leases. It additionally contains retailers that promote electrical energy for charging an electrical car. It excludes bike/scooter leases, auto golf equipment and insurance coverage corporations.
**Choose journey is outlined as airways, inns, cruise strains and journey companies.
***Choose streaming providers are outlined as cable, satellite tv for pc and streaming suppliers, akin to Amazon Prime Video, Amazon Music, Apple Music, Disney+, DirecTV Stream, ESPN+, FuboTV, Max, NBA League Go, Netflix, Pandora, Paramount+, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Pink, YouTube TV and Tidal.
Plus, you may earn 4% money again on inns, automotive leases and sights booked with Citi Journey and 1% again on all different purchases.
The Customized Money is a superb addition since you’ll be able to earn 5% money again (or 5 ThankYou Rewards factors with the Strata Premier) on as much as $500 in spending every billing cycle in your prime spending class. The choices listed below are broad and embrace classes not coated by the Strata Premier, akin to drugstores, health golf equipment, residence enchancment shops and reside leisure.
Plus, you’ll be able to max out a unique class every billing cycle, which provides flexibility to your trifecta.
To study extra, try our full assessment of the Citi Customized Money.
Citi Strata Premier Card
Annual payment: $95.
Welcome provide: Earn 60,000 bonus factors after spending $4,000 within the first three months of account opening.
Incomes charges:
- Earn 10 factors per greenback spent on inns, automotive leases and sights booked by means of Citi Journey.
- Earn 3 factors per greenback spent on air journey and different resort purchases, and at eating places, supermarkets, and gasoline and electrical car charging stations.
- Earn 1 level per greenback spent on all different purchases.
The Citi Strata Premier is the heavyweight of the Citi Trifecta, because it permits the cash-back rewards earned on the Double Money and the Customized Money to be reworked into transferable Citi ThankYou Rewards factors that increase their worth.
The cardboard additionally comes with a swath of bonus-earning classes for its $95 annual payment. You possibly can earn 3 factors per greenback spent on every part from air journey and direct resort bookings to purchases made at supermarkets and gasoline stations, making this a strong card to maximise earnings throughout widespread purchases.
To study extra, try our full assessment of the Citi Strata Premier.
Apply right here: Citi Strata Premier Card
How does the Citi Trifecta work?
Whenever you maintain all three playing cards within the Citi Trifecta and spend deliberately with the cardboard that earns probably the most in any particular class, you may find yourself supercharging your Citi ThankYou Rewards factors incomes, which will get you to aspirational redemptions sooner.
Here is a desk explaining how you may earn bonus factors throughout a number of classes if you maximize the Citi Trifecta:
| Card | Bonus classes | Bonus incomes |
|---|---|---|
| Citi Double Money | All nonbonus purchases | Earn a limiteless 2% again on each buy, with 1% money again if you purchase, plus 1% as you pay for these purchases. To earn money again, you need to pay at the least the minimal due on time. |
| Citi Customized Money | Your prime spending class from the next checklist, every billing cycle:
|
Earn 5% money again on the primary $500 of purchases in your prime spending class for that billing cycle. |
| Citi Strata Premier |
|
|
With ThankYou Rewards factors, you’ll be able to redeem for assertion credit, money again or present playing cards, however the easiest way to get closest to TPG’s 1.85 cents per level worth is to switch your factors to companions.
There are a number of high-value companions in Citi’s ecosystem, akin to Air France-KLM Flying Blue, Singapore KrisFlyer and Virgin Atlantic Flying Membership.
Associated: Finest methods to redeem Citi ThankYou factors
Different trifecta card choices
You can even create card trifectas with different issuers, akin to American Specific, Chase and Wells Fargo. When evaluating the Citi Trifecta to the commonest American Specific and Chase trifectas, Citi has a way more cost-effective choice in terms of annual charges. Wells Fargo presents the same annual payment threshold to Citi.
American Specific
You possibly can ramp up your American Specific Membership Rewards earnings with the Amex Trifecta. An necessary word right here is that it is one of many dearer trifectas to gather.
This contains The Platinum Card® from American Specific at a $695 annual payment (see charges and costs), the American Specific® Gold Card at $325 in annual charges (see charges and costs) and the no-annual-fee Blue Enterprise® Plus Credit score Card from American Specific (see charges and costs).
Like with the Citi Trifecta, you are assured to earn at the least 2 factors per greenback spent on all purchases. That is capped at as much as $50,000 per calendar yr, then 1 level per greenback, on The Blue Enterprise Plus.
To study extra, see our full information to the Amex Trifecta.
Chase
Should you’re a fan of the Chase Final Rewards program, you’ll find a number of methods to create a Chase Trifecta.
The preferred setup you’ll be able to decide typically contains the Chase Sapphire Reserve® (see charges and costs), the Chase Freedom Limitless® (see charges and costs) and the Ink Enterprise Most well-liked® Credit score Card (see charges and costs).
Nonetheless, this setup incurs whole annual charges of $890, so it’s possible you’ll be interested by one other mixture.
Fortunately, your Chase Trifecta is not restricted to those three playing cards. You might additionally substitute the Reserve for the Chase Sapphire Most well-liked® Card (see charges and costs) to decrease your mixed annual charges or commerce out the Freedom Limitless with the Chase Freedom Flex® to make the most of rotating 5% classes every quarter you activate.
The knowledge for the Chase Freedom Flex has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
A very powerful half is ensuring you’ve a Sapphire card in your setup, since that is the way you unlock the flexibility to transform the cash-back rewards you earn on playing cards just like the Freedom Limitless or the Freedom Flex to totally transferable Chase factors.
TPG’s July 2025 valuations deem Chase factors as value 2.05 cents per level, and you’ll switch them to 14 loyalty companions.
To study extra, see our full information to the Chase Trifecta.
Wells Fargo
Should you choose accumulating Wells Fargo Rewards, you’ll be able to create a Wells Fargo Trifecta by combining the Wells Fargo Autograph Journey℠ Card (see charges and costs) for a $95 annual payment, the Wells Fargo Energetic Money® Card (see charges and costs) for no annual payment and the no-annual-fee Wells Fargo Attune℠ Card.
The knowledge for the Wells Fargo Attune has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
This setup is available in on the identical annual payment threshold because the Citi Trifecta and earns at the least 2% money rewards (which could be transformed into factors that may be transferred to companions) on all purchases, due to the Energetic Money.
The Autograph Journey unlocks 5 factors per greenback spent on inns, 4 factors per greenback spent on airways and three factors per greenback spent on eating places and different eligible journey. The Attune presents 4% money rewards on self-care, choose sports activities, recreation and leisure purchases, EV charging, public transit and choose thrift shops.
TPG’s July 2025 valuations place Wells Fargo Rewards factors at 1.6 cents per level, and they are often transferred to seven loyalty companions.
Associated: 8 various kinds of bank cards
Backside line
The most effective methods to shortly acquire rewards factors is to stack your pockets with playing cards in the identical program. Should you’re into Citi ThankYou Rewards, the Citi Trifecta is a powerful choice to maximise each greenback you spend.
Plus, you’d spend $95 in annual charges for all three playing cards, which makes this a strong choice if you wish to maximize your earnings with out budgeting for extra annual charges.
Associated: One of the best enterprise and private bank card combos
For charges and costs of the Amex Platinum, click on right here.
For charges and costs of the Amex Gold, click on right here.
For charges and costs of the Blue Enterprise Plus, click on right here.
