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Does anyone have a good reason to go for the Chase trifecta over the Capital One duo if you travel about once a year? (self.creditcards)

submitted 1 year ago by MigratingtoLemmy to c/creditcards

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Hi, the Capital One duo is looking like a much better deal than with the Chase trifecta, especially if you're a CSR holder. With Chase reducing their benefits and trimming their bonus categories every year, I don't see a point in keeping the Chase trifecta as your main source of points anymore. The Capital One duo + Bilt (if you rent), at least on paper, look amazing for travel points.

Wanted to know your opinion. Cheers!

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[–] Cstrrider 1 points 1 year ago (1 children)

This is going to sound backwards but hear me out: The Amex Trifecta (Platinum, Gold, BBP) can actually be a very good combo for less frequent travel, if you can effectively use the credits. You need to be already paying for Hulu, Disney plus, and some other entertainment credit options, be able to use the uber and grubhub credits (I get pickup once a month from each and use it easily). FHR is a great option for a weekend trip if you find one in the $200-$300 range due to all the benefits.

If you can justify the (very) high AF with the credits without spending more than you normally would, you get a lot of perks that you would only get by travelling a lot otherwise (hotel/rental status, more lounge access, FHR).

[–] MigratingtoLemmy 1 points 1 year ago (2 children)

Absolutely, if someone uses the credits well, the Amex cards are great! I'm just trying to be more frugal in my life, which is why I can't justify the price of said cards. And I don't eat out that much.

Thanks

[–] Cstrrider 1 points 1 year ago (1 children)

In that case I would say take a look at the US Bank Attitude reserve if you are able to pay with mobile wallet.

Its really going to depend on your spending profile to determine which is better though the CSP and CSR target people who eat out and travel more.

Do you fly when you go on your 1 trip or drive? Another option would be to get one of the hotel cards. The Ritz Carlton card is basically a supercharged Marriott card with many of the same benefits as the CSR.

[–] MigratingtoLemmy 1 points 1 year ago (1 children)

I usually fly to my destinations. I don't live lavishly and like to stay in inexpensive lodgings when I'm traveling. The major area where I might spend points is likely on flights especially the longer flights which I might book a business class seat for.

[–] Cstrrider 2 points 1 year ago (1 children)

Ha I'm the opposite, I'd fly economy to spend more on a bit nicer hotel.

The Ritz card gets Bonvoy points and has a couple benefits for super expensive Ritz stays but is still a great general Marriott card. It also has an airline incidental credit.

[–] MigratingtoLemmy 1 points 1 year ago

Thanks, I'll keep that in mind. The card does sound interesting