If you are looking to enhance your credit card rewards, a strategic combination of cards can help you maximize your earnings on every purchase. While Citi may sometimes be overshadowed by other credit card issuers, it offers a range of rewards credit cards that can be combined to increase your returns.
By carrying three specific Citi cards, known as the “Citi trifecta,” you can earn between 2% and 5% on all your purchases, regardless of the category, for an annual fee of $95. Moreover, combining these cards can also unlock the option to transfer rewards to travel partners for even greater returns, particularly beneficial for travelers.
The Citi Double Cash® Card, Citi Strata℠ Card, and Citi Strata Premier® Card are key components of this rewarding combination. The Double Cash card earns 2% cash back on purchases, while the Strata Premier card offers 3x points on various everyday spending categories like supermarkets, restaurants, travel, and gas stations.
On the other hand, the Citi Custom Cash® Card provides 5% cash back on up to $500 spent in your top spending category per billing cycle, with 1% cash back on all other purchases. Combining these cards strategically can significantly boost your rewards earnings.
ThankYou points, earned through Citi credit cards, are versatile and can be redeemed for cash back, travel, gift cards, and more. The value of these points can vary based on redemption options and the specific Citi card you hold. Transferring ThankYou points to Citi’s travel partners can often result in higher point values.
While the ideal “Citi trifecta” involves the Citi Strata Premier® Card, Citi Double Cash® Card, and Citi Custom Cash® Card, there are alternative combinations to consider. For instance, you could opt for a no-fee option by substituting the Citi Strata℠ Card for the Citi Strata Premier® Card.
However, managing multiple cards and tracking spending across different categories requires discipline and organization. Additionally, opening several new credit cards within a short timeframe can impact your credit score, so it’s important to proceed cautiously.
Ultimately, holding a Citi trifecta can be a lucrative strategy to maximize your credit card rewards, but it necessitates careful planning, responsible spending habits, and a thorough understanding of each card’s benefits and limitations.
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