What Card Should I get after Chase Trifecta?

Card Recommendation Request Forum
1

I currently have the chase trifecta with the CFU, CSP, and CFF. I am wondering what card I should get next.

Biggest Spending Categories: Out to eat, groceries, day to day activities, and traveling
Age: 20
Annual Spending: 30k
Credit Score: 746

I was thinking maybe the Hyatt card for free nights at Hyatt or a card that provides points on groceries/gas.

What card should I get next?

2

Capital One Savor will get you 3x on grocery and no annual fee.

3

Wylder said:
Capital One Savor will get you 3x on grocery and no annual fee.

I have been using the PayPal debit card for 5% on groceries. Feels weird using a debit card but it works.

4

If you rent, the BILT Mastercard fits so perfectly with the Chase trifecta since it has a ton of overlap with its transfer partners including Hyatt. Also, rent is most people’s highest monthly spend category so there’s a lot of earning potential there.

5

@Oakes
The Bilt is a great card to capture 3% dining if OP does not rent.

6

Gia said:
@Oakes
The Bilt is a great card to capture 3% dining if OP does not rent.

That is already covered with his Chase cards.

7

Some good contenders include US Bank Altitude Reserve, Citi Custom Cash, Capital One Savor, and Amex Blue Cash Everyday. The USBAR is the most expensive option and the most difficult to get, but it’s probably the best option as it’s going to cover the most holes in your spending and it’s also going to give you 8 lounge visits a year.

8

@Neely
Good suggestions. Travel cards too if that’s next.

9

If you can use the free 5 nights at Hyatt within the first year, then the World of Hyatt current SUB is hard to beat right now.

10

The Chase Ink Cash is a great addition to the Chase Trifecta. It earns 5% on Office Supply stores (where you can buy gift cards), phone, internet, cable, and streaming services which codes as cable.

11

Template for Card Recommendation Requests:

Please use the following template so that everyone can make appropriate recommendations:

  • Current cards: (list cards, limits, opening date)
    • e.g. Amex BCP $8,000 limit, May 2019
    • e.g. Chase Freedom Flex $10,000 limit, June 2021
  • FICO Score: e.g. 750
  • Oldest account age: e.g. 5 years 6 months
  • Chase 5/24 status: e.g 2/24
  • Income: e.g. $80,000
  • Average monthly spend and categories:
    • dining $800
    • groceries: $400
    • gas: $100
    • travel: $100
    • other: $30
  • Open to Business Cards: e.g. No
  • What’s the purpose of your next card? e.g. Building credit, Balance transfer, Travel, Cashback
  • Do you have any cards you’ve been looking at? e.g. Chase Freedom Unlimited
  • Are you OK with category spending or do you want a general spending card?

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12

Either AMEX Blue Cash card will cover grocery and gas when you don’t have the CFF category.

13

I have chase trifecta + USBAR. All mobile wallet 3%.

14

I am in the process of finishing my Chase trifecta with the Sapphire Reserve and have the Citi Strata Premier and will add the Citi Custom Cash. The Citi Strata Premier is my groceries card and the Citi Custom Cash will be a flex card.