The Citi Trifecta, Explained
The cards and what each does
The core: the Strata Premier for 3x across travel, dining, supermarkets, and gas plus transfer access, and the Double Cash for an effective 2x flat on everything else. Both earn ThankYou points, so the pair covers nearly all spending at 2x or better. The classic third card is the Custom Cash for 5x in your top category, where you can still get it.
Why it works
On its own the Double Cash is a cash-back card, but paired with the Strata Premier its points convert to full ThankYou points that transfer 1:1 to airline partners. The standout is Turkish Airlines, which prices Star Alliance awards (including United flights and Hawaii) very cheaply. The Strata Premier fee is modest and it carries a useful annual hotel credit.
Build it
Start with the Strata Premier and Double Cash as the core, and add a Custom Cash for a 5x category if it is available to you. Keep an eye on Citi application spacing rules. Model the combo in the wallet builder. See all card combinations.
Frequently asked questions
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