Best Credit Card Combinations To Maximize Rewards

Best Credit Card Combinations To Maximize Rewards

by Susmita Dutta
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Having the right credit card can help you earn cash back or travel rewards for each dollar you spend. But do you know you can benefit more if you have the right credit card combinations? Many credit cards have amazing rewards that work pretty well together.


Citi Premier Card And Citi Double Cash Card: Best All-Around Combination

The annual fee of the Citi Premier Card is $95, which allows you to make a welcome bonus of 60k points. Yes, when you successfully spend $4000 within 3 months of your account opening, you can avail this bonus.

You can earn 3X bonus points on supermarket purchases, restaurants, gas stations, hotels and travel purchases. Also, you can earn 10 ThankYou points for a limited time on every $1 you spend on hotel or car rentals through the Citi Travel portal.

Compared with the Citi Double Cash Card, which has no annual fee. It offers 2 percent cash back on your every purchase. This card technically earns basic Citi ThankYou points, which means you can only transfer them to Citi travel partners if you have a premium card like Citi Premier.


How To Maximize This Combination

Using the Citi Premier card for all purchases like air travel, supermarket, restaurant, hotel and gas stations is quite simple. And for all the non-bonus category purchases, use the Citi Double Cash card to help you make 2 percent back. As you score rewards, collect them in your Citi Premier account, which will help you to earn Citi ThankYou points. After that, you can transfer points to the Citi travel partners.


What To Consider Before Applying

As you know, Citi Premier has a $95 annual fee, but you can still redeem the cost of card membership upto $100 annual hotel credit through the card. But remember, it is applicable on a single hotel stay worth $500 or more.


The Platinum Card From American Express And The Blue Business Plus Credit Card From American Express: Best For Business Travelers

The Platinum Card from American Express has a $695 annual fee, and it offers an 80k welcome bonus when you spend $6000 within six months of card membership. You can earn 5X points directly from Airlines or through American Express Travel during the flight booking process.

On the other hand, the Blue Business Plus Credit Card from American Express has 0 annual fee and flat 2X points on purchases upto $50000 per year. So, if you are a small business owner, it can be a perfect choice. You will get an amazing welcome offer, i.e., 15000 points, after purchasing $3000 within the first three months.


How To Maximize This Combination

You can utilize this combo perfectly if you use Amex Platinum for prepaid hotels and airfare. But if you want to purchase non-category things, use Amex Blue Business Plus. You will get premium Platinum card benefits.

Remember one thing, redeem all your points in your Amex account for travel purchases via American Express Travel. You can transfer your points to Amex airline and hotel partners such as Delta SkyMiles or KLM Flying Blue.


What To Consider Before Applying

If you travel a lot, then the Platinum Card from American Express will work best for you. It has numerous benefits. Make sure to select the same airline you frequently choose where you spend at least $200 annual incidentals airline credit. Remember to connect your card to your Uber account. Otherwise, you won’t be able to use the monthly credit.

The Amex Blue Business Plus Credit Card is the perfect choice for small business owners. If you want to make rewards on purchases but don’t want to keep any record of business categories, then you must go for this Amex blue business plus card.


The Chase Trifecta: Best For Maximizing Chase Ultimate Rewards

You already have two amazing credit card duos, but if you want a next-level combo, choose this option. This Chase Trifecta is well known for its card trio. Though it can differ, the common trio is Ink Business Preferred Credit Card, Chase Freedom Unlimited, and Chase Sapphire Reserve.

This one helps you to earn 1.5 percent cash back on any common purchase. Also, you will get more than 1 percent back on non-category spending. Chase Freedom Unlimited has 0 annual fees and provides 5 percent back on Lyft purchases and 5 percent back on dining and drugstore purchases.


How To Maximize This Combination

Do you know Chase Ultimate Rewards points are credit card networks’ most valuable reward currencies? Yes, and it can help you to collect ultimate rewards points to lump sum redemptions.

But if you are willing to have a personal credit card, you can swap the Chase Ink Business Preferred with the Chase Freedom Flex.


What To Consider Before Applying

The Chase Ink Business comes with a $95 annual fee, and the Chase Sapphire Reserve includes a $550 annual fee. If you choose this trio, avail yourself of all the benefits to redeem the card membership. If this period doesn’t suit your purchasing habits well, consider other top chase cards until it matches your requirements.


The Bottom Line

If you have a top rewards credit card that can help you to make some amazing benefits and rewards over time. To use any of these card combinations, you must purchase according to your plan.

Remember to pay your balances in full monthly to avoid any late fines or interest on your spending. If you pay 20 percent APR or more in a rolling or revolving balance, all the rewards you will earn from your purchases will not be worthwhile.

So, keep this in mind and choose the appropriate credit card combination for your use and use that smartly to avail of all the benefits and avoid the charges or due credit card fines.

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