I am juggling between the Chase Tribeca, Citi Tribeca and Capital One duo.
I have a pretty thing portfolio with only 2 cards, mortgage and 1 auto loan.
FICO 8 is 793, with 4 total inquiries in the last 24 months (mortgage, auto, CC approval and CC denial)
Chase has denied me in the past, and with Chase's recent changes over the last year I am more hesitant than I was before.
Citi on the other hand feels like a natural choice for me given the good multipliers and I frequently fly with AA
I am not too familiar with C1, but I know they are a popular recommendation
Which direction should I steer? Monthly spend is about $2-3k primarily on grocery and dining. Gas is irrelevant to me because I charge my electric at home
Citi, Chase or Capital one?
byu/SnooEpiphanies9530 inCreditCards
Posted by SnooEpiphanies9530
2 Comments
Since you fly AA it would be Citi for sure. The only caveat is there’s a rumor that the Citi Strata Premier is going to get a refresh in the near future, and it’s not going to be good. Still, if you fly AA frequently then Citi is still going to be your best option even if the worst rumor happens.
Citi is the only AA transfer partner so that’s probably enough reason to go there alone, IF you actually want to transfer your points for award flights. C1 is imo the best set it and forget it option out there though, if you don’t feel any desire to play the transfer partner game. They have the best portal (it’s actually useful shockingly enough), you’re not playing the coupon book game, and 3x grocery/dining/entertainment with 2x everything else is a solid baseline (especially when 1cpp redemption is a guarantee).