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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

How did chase trim their bonus categories?

Realistically everyone who is going to daily drive a trifecta should categorize their current spending, assign a value to points, and see which card sets maximize their value with google sheets or something. Make sure you factor in all of the credits you can reasonably spend and try to assign a conservative value to things like priority pass, travel insurance, hotel/rental status, etc. If you don't care much about that make it zero.

When I did this Chase was second to the Amex trifecta because I can enough of the credits to cover the AF with minimal work.