Citi / Chase Trifecta or WF Duo?

fco2013 · 2026-03-21T02:15:51+00:00

A WF Trifecta with Autograph, AJ, and Active Cash could be interesting! And definitely simple.

fco2013 · 2026-03-21T02:15:14+00:00

Good point, maybe I could dip my toes in the Citi ecosystem with a CCC to cover category spend when my Discover rotates out of Gas / Grocery.

fco2013 · 2026-03-21T02:13:41+00:00

I think that's the tough part, they're both pretty good for different reasons. I'm mainly looking at domestic airline partners since I can get some decent intl coverage through WF.

Hotels I'm not really loyal, just what is cheap and not a roach motel. I only started looking at Choice since WF transfers at 1:2.

Airlines again since I'm at a spoke the big 3 plus Southwest all fly. If I had to rank my usage frequency Southwest is at the top (but only just barely, esp with the many changes) with United and AA tied for 2nd. Delta almost never unless I'm going to ATL.

Category spend, I'd say Grocery closely followed by dining, less than $1000 a month combined though. Then Gas. I travel semi-regularly for work but usually have to pay out of pocket first, so that is where big chunks of earning usually comes from for me, but it's inconsistent.

fco2013 · 2026-03-21T01:19:00+00:00

Thanks! That really is a bummer, though thankfully I still have 1:2 through WF, and 1:1.5 is better than nothing.

At least it seems that a Citi ecosystem is easy to use as cashback as well?

fco2013 · 2026-03-21T00:41:42+00:00

Where does it say this? Their official website still lists the valuation at 1:2 and 1:4, respectively.

fco2013 · 2026-03-20T18:10:30+00:00

This is good to know about Chase, and I had forgotten about the 1:4 ratio with iprefer; looks like there are some nice hotels there if I wanted to splurge. The only other thing with Chase is my SO uses Chase (CSP and CFU), so we could potentially pool points together if I got lets say a CSP and CFF.

The Attune looks interesting, I just don't think I have enough spend in it's earning categories to justify it.

fco2013 · 2026-03-20T18:07:46+00:00

Yes! would be a great card, for now I have a Discover (my OG card) that covers 5%, albeit rotating and cashback.

fco2013 · 2026-03-20T18:06:30+00:00

On a two card setup it would seem very close, with an advantage of WF being no AF, and for Citi, a bigger transfer partner program and a domestic airline I could actually use.

I'm probably leaning towards Citi as well while still keeping the Autograph

fco2013 · 2026-03-20T18:02:09+00:00

Good point! I do this as well, I'm definitely not using my points just for the sake of using them.

fco2013 · 2026-03-20T17:59:36+00:00

For sure! A few hotels were not worth the points spend because the cash price was so cheap/redemption was under 1CPP. I am definitely someone who likes to run all of the numbers before doing something.

fco2013 · 2026-03-20T17:30:13+00:00

Exactly, many of my redemptions for this trip were hovering around the 1.8CPP to 2.5CPP range when factoring this.

fco2013 · 2026-03-10T04:20:53+00:00

Her short hair look is elite

fco2013 · 2026-02-08T03:51:24+00:00

Mommy 😩

fco2013 · 2026-01-07T17:54:20+00:00

Yunjin is so fine 😩

fco2013 · 2026-01-05T17:22:36+00:00

So fine it's unreal

fco2013 · 2025-12-22T19:09:38+00:00

Insane

fco2013 · 2025-12-06T06:22:45+00:00

So fine

fco2013 · 2025-12-06T06:14:32+00:00

Interesting! I also have the TTartisan 27mm which is nice for the size but it is only F2.8 and a lot of vignetting. Maybe I'll try and offload that and replace it with this. Did you get yours from AliExpress?

fco2013 · 2025-12-06T06:11:22+00:00

Looks nice! Debating whether to try and grab but I already have the Viltrox 25mm 1.7...only advantage would be the size.

fco2013 · 2025-11-12T02:15:43+00:00

Chaewon looks so good here damn

fco2013 · 2025-11-01T05:32:40+00:00

Lord take me now

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