Is Chase Trifecta worth it?

AyaMai · ‎02-19-2025

A regular Costco shopper for grocerries and gas, including shopping at different groceries for specific items. Are Chase Triefecta worth the use for daily expenses when other credit cards and PayPal debit card give 5% cashback. SUB is not in the equation, would appreciate your thoughts based on your own daily experience whether you are single, couple and family.

Anonymous · ‎02-19-2025

IMO, the Chase Trifecta became a "thing" that has become overblown. Since the advent of the CSR, it's not even that well defined. And Ink cards can also be added to the mix.

So there is no need to go for it, any more than any other three cards, unless it makes sense for your spending and goals. In particular, its value is for those that transfer points to partners (and to a smaller extent, those with especially the CSR who purchase travel through the portal). That was, the CFU guarantees a minimum of 1.5 UR per $ spent, with the other cards offering opportunities for greater earning in certain categories. Then, if you can get at least 2cpp when you transfer, you have a minimum of 3%, and possibly much more.

For those into cash back, it's not a good use for three cards. If you have the flex (so you don't need the 3% categories on the CFU), the CFU is just a 1.5% card, which is bad by cashback standards.

xenon3030 · ‎02-20-2025

If you are a frequent traveler, and you have a good plan to justify the high AF of CSR, it might be worth.

Otherwise, for Costco, it might be better to stick to the typical cards in the market without AF or with a reasonable AF (there are several discussions at this forum for shopping at Costco).

Fico8: EX~EQ~TU~840 (12 month goal~850).
BOA (CCR, UCR), Chase (CFF, CSP, Amazon, CIC, CIU), US Bank (Cash+, AR, Go, Ralphs), Discover, Citi (CCC, DC, SYW), Amex (BCP, HH, Biz Gold, BBC, BBP), Affinity CR, Cap1(Walmart), Barclays View.

Varsity_Lu · ‎02-20-2025

Explain to me what the Chase trifecta is again? I'm not in the Chaseisphere.

FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)
Clean | Thick | Mature | New Revolver

Anonymous · ‎02-20-2025

@Varsity_Lu wrote:
Explain to me what the Chase trifecta is again? I'm not in the Chaseisphere.

"Usually" it consists of

1) Chase Freedom (now probably the Chase Freedom Flex) which gives 5% on various rotating categories

2) Chase Freedom Unlimited which gives 1.5% on everything, and (like the flex) 3% on dining and drug stores

3) CSP or CSR, which add 2 or 3% on travel, but more importantly, allow points earned on all the cards to be transferred to travel partners (e.g. Hyatt reward program, or various airlines)

Varsity_Lu · ‎02-20-2025

@Anonymous

Sounds like a Discover paired with a Quicksilver with just a dash of Savor thrown in. But you can use the points on a Chase travel card. Is that about right?

FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)
Clean | Thick | Mature | New Revolver

salt_water_swimming · ‎02-20-2025

The key to any Chase setup is the points can be worth ~2cpp , so double all the rewards multipliers

Ink preferred + ink cash (x as many as you can get) + freedom unlimited is the real trifecta imo

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ptatohed · ‎02-20-2025

My bi-fecta is the easy extra $100/yr citi CC + citi R+.

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

UncleB · ‎02-20-2025

@Varsity_Lu wrote:
@Anonymous

Sounds like a Discover paired with a Quicksilver with just a dash of Savor thrown in. But you can use the points on a Chase travel card. Is that about right?

I've never heard it put this way before... it made me laugh, LOL.

(Apologies that I can't contribute otherwise... I'm on team "cash back" so the so-called trifecta isn't for me.)

Anonymous · ‎02-21-2025

@salt_water_swimming wrote:
The key to any Chase setup is the points can be worth ~2cpp , so double all the rewards multipliers

Ink preferred + ink cash (x as many as you can get) + freedom unlimited is the real trifecta imo

Yes, for those transferring. But there are many with a Chase Freedom (Flex) as first card, which works well as a plain 5% rotator for those cashback players