The ultimate guide to the best credit card combinations

Whether you’re new to the world of points and miles or just looking for the best ways to level up your current card portfolio, a strategic credit card pairing is one of the easiest ways to maximize your earning potential.

You’ve likely heard of the most popular card groupings — the Chase Trifecta and the Amex Trifecta — but these are far from the only ways to combine credit cards.

Let’s discuss how different credit cards work together to boost your spending and earning power and go over some of the best credit card combinations.

Related: The best business and personal credit card combinations

What makes the best credit card combination?

Several factors can make a good card combination, but most simply, a good pair is one in which both cards earn the same rewards but have different bonus categories. This way, you’ll be able to maximize your earnings across a wider range of purchases than you would with just one card.

Each card combination below is a great example of maximizing your earnings with two complementary cards.

Related: 7 of the best cards to pair with the Amex Gold

The Platinum Card® from American Express is great for travelers since it earns 5 Membership Rewards points per dollar spent on flights booked directly with an airline or through Amex Travel (on up to $500,000 each calendar year, then 1 point per dollar spent thereafter) and comes with extensive airport lounge access, plus a slew of valuable statement credits. Enrollment is required for select benefits; terms apply.

The American Express® Gold Card is a foodie’s dream card. It earns 4 Membership Rewards points per dollar spent at restaurants worldwide (up to $50,000 in purchases per calendar year, then 1 point per dollar spent thereafter) and U.S. supermarkets (up to $25,000 in purchases each year, then 1 point per dollar spent thereafter).

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It also comes with statement credits each calendar year for dining and takeout purchases. Enrollment is required for select benefits; terms apply.

Why they’re a great combination: These cards work great together because you’ll earn more on flights with the Amex Platinum than you would with the Amex Gold alone (5 points per dollar spent rather than 3) and more at restaurants and U.S. supermarkets with the Gold than you would with the Platinum alone (4 points per dollar spent rather than 1; spending caps apply).

Additionally, the cards’ benefits and statement credits hardly overlap, meaning you’ll get tremendous value from having both cards. You can then transfer your Membership Rewards points to any of Amex’s 21 hotel and airline partners.

TPG contributing editor Matt Moffitt loves this card pairing since it allows him to take advantage of generous lounge access benefits and high earnings on flights combined with bonus earnings on his worldwide dining and U.S. supermarket purchases. He gets even more value from his rewards with Amex’s frequent transfer bonuses.

The annual fee for the Amex Platinum is $695 (see rates and fees), while the annual fee for the Amex Gold is $325 (see rates and fees).

To learn more, check out our full reviews of the Amex Platinum and the Amex Gold.

Apply here: The Platinum Card from American Express
Apply here: American Express Gold Card

The Chase Sapphire Preferred® Card is one of our favorite travel rewards cards, earning 3 Ultimate Rewards points per dollar spent on dining (including eligible delivery and takeout), select streaming and online grocery purchases (excluding Walmart®, Target® and wholesale clubs), 2 points per dollar spent on most travel purchases and 1 point per dollar spent on everything else. Additionally, it comes with some valuable travel protections — all for a low $95 annual fee.

The Chase Freedom Unlimited® is a great everyday card. It has no annual fee and earns 3% cash back per dollar spent on dining (including eligible delivery and takeout) and drugstore purchases and 1.5% back per dollar spent on all other purchases.

Why they’re a great combination: Both cards allow you to earn an impressive return on dining purchases, but you’ll earn double on your non-Chase Travel℠ travel spending with the Sapphire Preferred versus the Freedom Unlimited. Where the Freedom Unlimited really shines is in its nonbonus spending.

By itself, the Freedom Unlimited earns cash-back rewards. However, if you also have the Sapphire Preferred, you can combine your rewards from the two cards and transfer them to any of Chase’s 14 travel partners for maximum value.

To learn more, check out our full reviews of the Chase Sapphire Preferred and the Chase Freedom Unlimited.

Apply here: Chase Sapphire Preferred Card
Apply here: Chase Freedom Unlimited

The Citi Strata Premier℠ Card (see rates and fees) is a great all-around travel rewards card with broad bonus categories. New cardholders can earn 75,000 points after spending $4,000 on purchases within the first three months of account opening.

It earns 10 points per dollar spent on hotels, car rentals and attractions booked on CitiTravel.com, 3 points per dollar spent on other hotel purchases, 3 points per dollar on flight, restaurant, supermarket, gas station and electric vehicle charging station purchases and 1 point per dollar spent on all other purchases.

The Citi Rewards+® Card (see rates and fees) generally earns at a lower rate than the Citi Strata Premier: 5 ThankYou points per dollar on hotels and car rentals booked through CitiTravel.com (through Dec. 31), 2 points per dollar spent at supermarkets and gas stations on the first $6,000 per year (then 1 point per dollar spent thereafter) and 1 point per dollar spent on all other purchases.

However, purchases on this card automatically round up to the nearest 10, so a $1 purchase will earn you 10 points — more than you would earn with the Strata Premier — making this a great card for small purchases that can rack up ThankYou rewards.

Why they’re a great combination: The Citi Strata Premier earns bonus points in an impressive number of categories, but the rounding nature of the Rewards+ makes it a better option for small purchases that don’t fall under any of the Strata Premier’s bonus categories.

Plus, the Rewards+ has limited redemption options on its own, but holding the Strata Premier allows you to transfer the points you earn to any of Citi’s transfer partners, increasing their redemption value.

To learn more, check out our full reviews of the Citi Rewards+ and Citi Strata Premier Card.

Apply here: Citi Strata Premier Card
Apply here: Citi Rewards+ Card

The Ink Business Preferred® Credit Card is one of our favorite business cards. It earns 3 points per dollar spent on the first $150,000 in combined spending on shipping, internet, cable, travel, phone services and advertising.

Cardholders will also earn 5 points per dollar spent on Lyft purchases through March 2025 and 1 point per dollar spent on all other purchases.

The Chase Sapphire Reserve® is the premium sibling of the Chase Sapphire Preferred. With it, you’ll get Priority Pass lounge access and a $300 travel credit each year.

It earns 3 points per dollar spent on all travel purchases made outside of Chase Travel (after the annual $300 travel credit is received) and dining purchases (including takeout and eligible delivery), as well as 1 point per dollar spent on all other purchases.

Why they’re a great combination: If you have a lot of business expenses, pairing a business card with a personal card can work in your favor. With this combination, use your Ink Business Preferred for the first $150,000 in business purchases each year and your Sapphire Reserve for travel and dining purchases to maximize your 3 points per dollar earning opportunities across the board.

To learn more, check out our full reviews of the Ink Business Preferred and the Chase Sapphire Reserve.

Apply here: Ink Business Preferred Credit Card
Apply here: Chase Sapphire Reserve

The Capital One Savor Cash Rewards Credit Card has no annual fee and is a great option for everyday spending categories. The card earns 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, grocery stores (excluding superstores like Walmart® and Target®) and popular streaming services and 1% back on all other purchases.

The Capital One Venture Rewards Credit Card has a $95 annual fee. It earns 5 miles per dollar spent on hotels, vacation rentals, and rental cars and 2 miles per dollar spent on all other purchases, making it a good card for spending that doesn’t fall in other cards’ bonus categories.

Why they’re a great combination: Use your Savor for purchases in the 3% cash-back bonus categories and your Venture Rewards for all other purchases to earn 2 miles per dollar on them. With this duo, you can convert your Savor rewards to Capital One miles and transfer them to any of Capital One’s 15-plus hotel and airline partners.

To learn more, check out our full reviews of the Capital One Savor and Capital One Venture Rewards.

Learn more: Capital One Savor Cash Rewards
Learn more: Capital One Venture Rewards

If you already have a card that earns transferable rewards, pairing a card that earns rewards for one of its travel partners is a great option.

For instance, I earn Chase Ultimate Rewards points with my Chase Sapphire Preferred Card, so I decided to get the World of Hyatt Credit Card to have Hyatt-specific benefits like elite status and a free night each year, as well as the ability to maximize my earning with both cards’ bonus categories.

Related: Best hotel cobranded cards

Diversify your rewards

While most combinations center around earning similar rewards, it’s also a good idea to earn different types of rewards. You could, for example, pair the Amex Gold with the Capital One Venture X Rewards Credit Card.

In this scenario, you would want to use your Amex Gold to earn bonus points on flights, dining at restaurants and on U.S. supermarket purchases (up to $50,000 per calendar year for restaurants worldwide and up to $25,000 per calendar year for U.S. supermarkets, then 1 point per dollar spent thereafter) and your Venture X for your other purchases to earn 2 miles per dollar spent.

With this option, you can take advantage of both American Express and Capital One’s transfer partners, giving you even more flexibility in your reward redemptions.

Related: Guide to transferring points and miles to airlines and hotels

No annual fee

If you want to earn transferable rewards without paying an annual fee, pair the Capital One Savor and the Capital One VentureOne Rewards Credit Card.

The VentureOne earns 1.25 miles per dollar spent on all purchases and allows you to turn your Savor rewards into transferable Capital One miles.

Related: Cashing in Capital One miles? How to get the maximum value when redeeming miles

Maximize bonus categories

If you’re OK with earning different types of rewards and want to make sure you’re maximizing all your purchases, you can set up your card portfolio with cards that earn bonus points in the categories you spend the most in.

For example, you might opt for the Chase Sapphire Reserve to earn 3 points per dollar spent on your travel purchases made outside of Chase Travel and dining purchases (bonus points for travel spending outside of Chase Travel are received after the $300 annual travel credit); the Citi Strata Premier Card to earn 3 points per dollar spent on your gas station and supermarket purchases; and the Capital One Venture Rewards Credit Card to earn 2 miles per dollar spent on all other purchases.

This combination would mean you’re getting a 3.7% to 6.15% return on all your spending, according to TPG’s January 2025 valuations.

Related: The best rewards credit cards for each bonus category

Set up your ideal structure

Of course, different card combinations work well for different goals. Identifying your credit card goals will help you decide which qualities to focus on when you choose your next card.

For instance, if you want to minimize your annual fees while earning travel rewards, your best card pairs may differ from those listed above.

TPG senior points and miles writer Katie Genter pairs her Ink Business Preferred Credit Card with her Chase Freedom Unlimited, as it allows her to maximize her Chase Ultimate Rewards points while only paying one $95 annual fee.

Related: Everything you need to about Chase’s 5/24 rule

Related: Have one of the popular credit cards? Here are the others you should get to boost your points

For rates and fees of the Amex Platinum, click here.
For rates and fees of the Amex Gold, click here.