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 numerous classes, so in case your pockets means that you can earn not less than 2 factors (or 2% money again) per greenback each time you swipe, you are doing nicely.
Many issuers can help you maintain a number of rewards bank cards to maximise your earnings of their loyalty foreign money. Citi ThankYou Rewards might be an important choice for you, particularly for those who’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 means that you can maximize your incomes potential within the Citi ThankYou Rewards ecosystem, may be attained for lower than $100 yearly.
To amass the trifecta, you will want so as to add the no-annual-fee Citi Double Money® Card (see charges and charges), the no-annual-fee Citi Customized Money® Card and the $95-annual-fee Citi Strata Premier® Card (see charges and charges).
The data 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.
This is what to know concerning the Citi Trifecta and why it might be a strong alternative in your pockets.
What’s the Citi Trifecta?
The Citi Trifecta is a card setup containing three playing cards that earn Citi ThankYou Rewards. If you pair the Citi Double Money, the Citi Customized Money and the Citi Strata Premier, you will have a pockets that earns not less than 2% again on all purchases and as much as 10 factors per greenback spent on sure classes booked by 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 fashion may be transferred to considered one of 20 loyalty program companions and are price 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 will 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 obtainable for brand spanking new candidates to see how they match collectively.
The data 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 obtainable for brand spanking new functions.
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, automobile leases and sights booked with Citi Journey.
- Earn 2% again on each buy, with a vast 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 will at all times obtain not less than 2% again on all of your spending. When paired with the Strata Premier, its rewards develop into totally transferable, guaranteeing you earn not less than 2 ThankYou Rewards factors per greenback spent on all purchases.
To study extra, take a look at our full evaluation 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 high spending class for that billing cycle. The classes included are:
- Drugstores
- Health golf equipment
- Fuel stations
- Grocery shops
- House enchancment shops
- Dwell leisure
- Eating places
- Choose transit*
- Choose journey**
- Choose streaming providers***
*Choose transit is outlined as automobile leases, ferries, commuter railways, subways, taxis/limousines/automobile providers, passenger railways, bridge and street tolls, parking heaps/garages, bus strains, and motor dwelling and leisure automobile leases. It additionally contains retailers that promote electrical energy for charging an electrical automobile. 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 Purple, YouTube TV and Tidal.
Plus, you will earn 4% money again on inns, automobile leases and sights booked with Citi Journey and 1% again on all different purchases.
The Customized Money is a superb addition since you possibly can 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 high spending class. The choices listed below are broad and embody classes not coated by the Strata Premier, akin to drugstores, health golf equipment, dwelling enchancment shops and stay leisure.
Plus, you possibly can max out a special class every billing cycle, which provides flexibility to your trifecta.
To study extra, take a look at our full evaluation 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, automobile leases and sights booked by Citi Journey.
- Earn 3 factors per greenback spent on air journey and different resort purchases, and at eating places, supermarkets, and gasoline and electrical automobile 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 elevate 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 the whole lot from air journey and direct resort bookings to purchases made at supermarkets and gasoline stations, making this a strong card to maximise earnings throughout frequent purchases.
To study extra, take a look at our full evaluation of the Citi Strata Premier.
Apply right here: Citi Strata Premier Card
How does the Citi Trifecta work?
If 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 will find yourself supercharging your Citi ThankYou Rewards factors incomes, which will get you to aspirational redemptions sooner.
This is a desk explaining how you will earn bonus factors throughout a number of classes once you maximize the Citi Trifecta:
| Card | Bonus classes | Bonus incomes |
|---|---|---|
| Citi Double Money | All nonbonus purchases | Earn a vast 2% again on each buy, with 1% money again once you purchase, plus 1% as you pay for these purchases. To earn money again, you should pay not less than the minimal due on time. |
| Citi Customized Money | Your high spending class from the next record, every billing cycle:
|
Earn 5% money again on the primary $500 of purchases in your high spending class for that billing cycle. |
| Citi Strata Premier |
|
|
With ThankYou Rewards factors, you possibly can redeem for assertion credit, money again or reward 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 may as well 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 the case 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 vital observe right here is that it is one of many costlier trifectas to gather.
This contains The Platinum Card® from American Specific at a $695 annual payment (see charges and charges), the American Specific® Gold Card at $325 in annual charges (see charges and charges) and the no-annual-fee Blue Enterprise® Plus Credit score Card from American Specific (see charges and charges).
Like with the Citi Trifecta, you are assured to earn not less than 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
In the event you’re a fan of the Chase Final Rewards program, you will discover a number of methods to create a Chase Trifecta.
The most well-liked setup you possibly can decide usually contains the Chase Sapphire Reserve® (see charges and charges), the Chase Freedom Limitless® (see charges and charges) and the Ink Enterprise Most popular® Credit score Card (see charges and charges).
Nonetheless, this setup incurs complete annual charges of $890, so chances are you’ll be concerned with one other mixture.
Fortunately, your Chase Trifecta is not restricted to those three playing cards. You could possibly additionally substitute the Reserve for the Chase Sapphire Most popular® Card (see charges and charges) 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 data 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 will have 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 completely transferable Chase factors.
TPG’s July 2025 valuations deem Chase factors as price 2.05 cents per level, and you may switch them to 14 loyalty companions.
To study extra, see our full information to the Chase Trifecta.
Wells Fargo
In the event you want amassing Wells Fargo Rewards, you possibly can create a Wells Fargo Trifecta by combining the Wells Fargo Autograph Journey℠ Card (see charges and charges) for a $95 annual payment, the Wells Fargo Lively Money® Card (see charges and charges) for no annual payment and the no-annual-fee Wells Fargo Attune℠ Card.
The data 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 similar annual payment threshold because the Citi Trifecta and earns not less than 2% money rewards (which may be transformed into factors that may be transferred to companions) on all purchases, due to the Lively 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. In the event you’re into Citi ThankYou Rewards, the Citi Trifecta is a robust 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: The perfect enterprise and private bank card combos
For charges and charges of the Amex Platinum, click on right here.
For charges and charges of the Amex Gold, click on right here.
For charges and charges of the Blue Enterprise Plus, click on right here.
