Citi is no longer accepting applications for the Citi Custom Cash® Card as of May 28, 2026. Existing Citi Custom Cash cardmembers are not affected and can continue to use their card, which will work in the same way with the same benefits.
Rewards-earning credit cards can turn your everyday spending into trips around the world or cash back in your pocket. While you’re already on the right track with a single rewards-earning credit card, you can supercharge your earning with a trifecta of cards that reward you for different types of spending and have different benefits.
For example, you may have one card that earns bonus points on dining, another that earns bonus points on airfare, and a third that earns bonus points on gas or EV charging. That maximizes the return on several different types of spending.
The three most common credit card combinations are from Chase, American Express, and Citi. Here, we’ll break them down and discuss the benefits and earning rates for each credit card in the trifecta. Use this guide to speed up your rewards earning.
In short, credit card trifectas are when you use three (or more) credit cards to maximize your spending across multiple spend categories. Often, these cards are from the same issuer, helping you build your balance faster in a single transferable-points program. However, you can mix and match to diversify your points portfolio.
