Citi Trifecta: Earn 2%-5% on Every Purchase – NerdWallet

If you’re looking to take your credit card rewards-earning to the next level, a strategic combination of cards can help you maximize every purchase you make. Citi, sometimes overlooked in favor of other issuers, offers rewards credit cards that can work together to boost your returns.

For a total annual fee of $95, you can carry three Citi cards, dubbed the “Citi trifecta,” that can earn at least 2% — and as much as 5% — on every single purchase you make with a card, no matter the category. And for travelers, combining these cards unlocks the ability to transfer rewards to travel partners for outsized returns.

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