None of them. 3 cards are insufficient to cover a wide range of expenses.
I previously had a post on the way to obtain ~5% cashback on almost all expenses, without paying AF. You may find it in this forum.
PS: I could get 5% on all expenses, except a few bills after retiring PPK 
Fico8: EX~EQ~TU~810 (12 month goal~840).
@notmyrealname23 wrote:I'm going to assume that I don't have 250k+ assets at BofA and like the condition says, a three card strategy is being used (no "Here's my patented 12 card strategy to get 5% on everything"):
- SoFi MC* for 2% cashback catchall, no international transaction fee
(* could really be anything but no international transaction fee is nice)
- WF Autograph for 3% dining, travel, transit, streaming, gas, cell phone
- Citi Custom Cash for a 5% category (which most of the time will be groceries)
I could see running this kind of setup in retirement in a limited income where spend needs to be jammed down fairly low.
Not a bad lineup @notmyrealname23, although I think SoFi may not be the best 2% card choice. I just saw some adverse posts about it although not personally familiar. But we both agree on importance of a baseline 2% or better card as the foundation.
Ironically, I added my Chase Sapphire Reserve in the last few years specifically because I wanted a good travel card in retirement! Lol 
... instead of downsizing and simplifying. But I know many people do need to downsize and watch budget in retirement.
Fortunately, Bank of America "only" needs $100K instead of $250K for Platinum Honors but the no-assets or no-AF presumption for the thread is a fair point!
@Aim_High wrote:
@notmyrealname23 wrote:I'm going to assume that I don't have 250k+ assets at BofA and like the condition says, a three card strategy is being used (no "Here's my patented 12 card strategy to get 5% on everything"):
- SoFi MC* for 2% cashback catchall, no international transaction fee
(* could really be anything but no international transaction fee is nice)
- WF Autograph for 3% dining, travel, transit, streaming, gas, cell phone
- Citi Custom Cash for a 5% category (which most of the time will be groceries)
I could see running this kind of setup in retirement in a limited income where spend needs to be jammed down fairly low.
Not a bad lineup @notmyrealname23, although I think SoFi may not be the best 2% card choice. I just saw some adverse posts about it although not personally familiar. But we both agree on importance of a baseline 2% or better card as the foundation.
Ironically, I added my Chase Sapphire Reserve in the last few years specifically because I wanted a good travel card in retirement! Lol
Fortunately, Bank of America "only" needs $100K instead of $250K for Platinum Honors but the no-assets or no-AF presumption for the thread is a fair point!
I have the SoFi card, acquired it because it beats my Fidelity VISA in international transactions (and I spent some time out of the country in 2021). I haven't used it lately because it's dominated by my VentureX but it's been 100% fine overseas and locally. SoFi regularly chips 10 cents worth of points at me when I check my portfolio there or bump up my credit score.
The part that usually annoys people is cashback goes into a SoFi account or you lose half of it as a statement credit, but since I use them as a broker it's not really much of a nuisance for me. The SoFi savings account is also a reasonable high yield option (3%) and their checking account isn't terrible (2.5%) with direct deposit. Even without direct deposit it's a 1.2% checking account (which beats many high yield checking accounts). I don't know what other folks beef is with SoFi but I don't have one.
Why stay with one bank? Best to diversify.
There's nothing particularly special about a "trifecta" and people who don't spend that much to begin with may not get as much value from juggling multiple credit cards, especially if the issuer doesn't allow pooling of rewards points. For "frugal" spenders, two cards would be fine: a flat-rate card and a card that offers bonus points in their highest spending categories. Wells Fargo Active Cash & Amex Blue Cash Everyday are a solid cash back combo with no AF.
