Call me crazy, but does it not make sense to use Amex Plat for all things credits (would be approx a $1.2k net positive for me), and then use Chase Trifecta for points? I live near an airport with the Chase Lounge.

Seems like this combo is worth it, but am I missing something?

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Sounds right.

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I would say that's true of any annual fee card that isn't your preferred currency but still provides value. It's like only using the VX for the portal credit, only using the Hyatt card at Hyatts (and the FNC), only using the Brilliant for the dining credit and at Marriotts (and the FNC)..... etc etc

Amex Plat is MUCH more of a coupon book but it still stands. Obviously with so many credits, you'll be using it at Resy restaurants, Lulu, FHR, Uber, airline incidentals, streaming... Basically they want you to use it everywhere. If you're disciplined enough to ONLY use it for credits alone and truly value the credits at a point that's greater than the annual fee, then yes what you've said is fine. Just be careful valuing credits at face value (e.g. costco sells Uber GCs for 20-25% off everyday).

As for Chase "trifecta," multipliers generally don't really matter. It's the SUB that makes up the vast majority of your earning, which is why Inks are so popular in the churning community. Chase is also pretty MS friendly, so racking up points is easier even when you're between SUBs.

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