6 Best Credit Card Duos To Maximize Points


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Some of us go to great lengths to maximize our credit card rewards, in some cases having dozens of cards, and making our quest for reward points a mostly part-time job.

If you are the person in your circle of friends who is known for your obsession with credit cards, chances are that others will often ask you which credit card they should use. I know I am. And it’s a fight. My temptation is to optimize their strategy by having them get a handful of cards to maximize each category of spending, but I find that people quickly lose interest. They want a simple and easy to follow strategy.

With that in mind, in this article, I wanted to share a few simple credit card duos that can help you maximize your spending whether you’re looking for personal or business credit cards.

What are the best credit card duos?

In this article, I wanted to share what I consider to be the six best credit card duos for maximizing rewards:

With that in mind, here are my four favorite personal credit card duos and my two favorite business credit card duos, in no particular order:

Chase Sapphire Preferred & Chase Freedom Unlimited: Best Chase Personal Card Combo

The Chase Sapphire Preferred® Card (Rating) and Chase Freedom Unlimited® (Rating) are a pretty unbeatable combination in the Chase Ultimate Rewards ecosystem, which is consumers’ preferred points currency:

  • Annual fees – the Chase Sapphire Preferred has an annual fee of $ 95, while the Chase Freedom Unlimited has no annual fee
  • Accumulation of points – Chase Sapphire Preferred offers 5x points on travel purchased through Chase Ultimate Rewards, 3x points on restaurants, online grocery shopping and certain streaming services, 2x points on other travel purchases, plus a bonus anniversary points 10%, while Chase Freedom Unlimited offers 5x points on travel purchased through Chase Ultimate Rewards, 3x points on pharmacies and 1.5x points on all other purchases
  • Points redemption – transfer points to any of the Chase Ultimate Rewards airline or hotel partners, or redeem them for 1.25 cents each towards travel purchases
  • What sets this combo card apart – the Chase Sapphire Preferred offers fantastic travel coverage, including trip cancellation coverage, rental car coverage, and more, and the Chase Ultimate Rewards ecosystem is also arguably the easiest to maximize for the average consumer; the Sapphire Preferred has been recently updated making this card more rewarding than ever
Transfer Chase Points to Hyatt for hotel stays

Citi Premier & Citi Double Cash: the best Citi personal card combo

The Citi Premier® The Card (Rating) and Citi® Double Cash Card (Rating) are an unbeatable combination for earning Citi ThankYou Points and offer the highest average return in terms of points of any mid-range card combination:

  • Annual fees – the Citi Premier has an annual fee of $ 95, while the Citi Double Cash has no annual fee
  • Accumulation of points – Citi Premier offers 3x points on gas, groceries, restaurants, air travel and hotels, while Citi Double Cash offers up to 2x points on all other purchases
  • Points redemption – transfer points to any of the Citi ThankYou airline partners, or redeem them for a cent each for travel purchases
  • Other valuable benefits – there is no other midrange card combo where you will earn so many points per dollar spent in so many categories
Transfer Citi Points to Emirates for First Class Travel

Capital One Venture X & Capital One SavorOne: best Capital One personal card combo

The Capital One Venture X Rewards credit card (valuation) and the Capital One SavorOne Cash Rewards credit card (valuation) are the ideal combination to earn Capital One miles:

  • Annual fees – the Capital One Venture X has an annual fee of $ 395, while the Capital One SavorOne has no annual fee
  • Accumulation of points – Capital One Venture X offers 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights booked through Capital One Travel and 2x miles on all other purchases, while Capital One SavorOne offers 3x miles on select meals, groceries, entertainment and streaming services (this is a cash back card, but in conjunction with the Venture X, rewards can be converted at the rate of one cent per mile)
  • Points redemption – transfer points to any of Capital One’s airline and hotel partners, or redeem them for a cent each towards travel purchases
  • Other valuable benefits – Venture X’s annual fee is easy to justify, considering the annual travel credit of $ 300 and the card’s 10,000 anniversary bonus miles, plus all the other valuable perks ranging from a Priority Pass membership to ‘incredible benefits for authorized users
Transfer Capital One miles to Air France-KLM for business class travel

Amex Gold & Amex EveryDay: best Amex personal card combo

The American Express® Gold card (rating) and the Amex EveryDay credit card (rating) are a great combination to earn Amex Membership Rewards points:

  • Annual fees – the Amex Gold has an annual fee of $ 250 (rates and fees), while the Amex EveryDay has no annual fees
  • Accumulation of points – the Amex Gold offers 4x points in American restaurants and supermarkets (up to $ 25,000 per calendar year, then 1x), and 3x points on plane tickets purchased directly from airlines, while the Amex EveryDay offers a 20% points bonus when you complete 20 transactions per billing cycle, which means you can earn up to 1.2 times the points on your daily spend
  • Points redemption – transfer points to one of the airline or hotel partners of Amex Membership Rewards, or redeem them for a cent each towards the purchase of travel
  • Other valuable benefits – despite the Amex Gold’s annual fee of $ 250 which initially seems high, the card offers some valuable benefits and credits that could help offset them considerably
Transfer Amex points to Virgin Atlantic for business class travel

Chase Ink Preferred & Chase Ink Unlimited: Best Chase Business Card Combo

The Ink Business Preferred® Credit Card (Rating) and Ink Business Unlimited® Credit Card (Rating) are arguably an even better combination than Chase Personal Cards:

  • Annual fees – the Chase Ink Preferred has an annual fee of $ 95, while the Chase Ink Unlimited has no annual fee
  • Accumulation of points – Chase Ink Preferred offers 3x points on travel, shipping purchases, Internet, cable and phone services, and ad purchases made with select social media sites and search engines (up to $ 150,000 spending its anniversary year), while the Chase Ink offers unlimited 1.5x points on all other purchases
  • Points redemption – transfer points to any of the Chase Ultimate Rewards airline or hotel partners, or redeem them for 1.25 cents each towards travel purchases
  • What sets this combo card apart – the Chase Ink Preferred is the most complete business card on the market, and these two cards also have phenomenal welcome bonuses
Redeem Chase Points for travel in Qatar Airways Qsuites

Amex Business Gold & Amex Blue Business Plus: the best Amex business card combo

American Express® Business Gold Card (Rating) and American Express Blue Business® Plus Credit Card (Rating) combine valuable bonus categories with the best business card for everyday spending:

  • Annual fees – Amex Business Gold has an annual fee of $ 295 (rates and fees), while the Amex Blue Business Plus has no annual fees (rates and fees)
  • Accumulation of points – Amex Business Gold offers 4x the points in the two categories you spend the most in each subsequent billing cycle, up to $ 150,000 in combined purchases per year (1x after that) – airline tickets purchased direct from airlines, purchases in the United States for advertising in certain media, purchases in the United States at gas stations, purchases in the United States at restaurants, purchases in the United States for shipping, purchases computer hardware, software and cloud computing in the United States made directly from certain suppliers; the Amex Blue Business Plus offers 2x points on the first $ 50,000 spent each year (1x after that)
  • Points redemption – transfer points to any of Amex Membership Rewards airline or hotel partners, or redeem them for up to ~ 1.33 cents each for airline tickets, thanks to Amex Business 25% discount Gold on “Pay With Points” exchanges
  • Other valuable benefits – the Amex Blue Business Plus can be a valuable card no matter what other card you have it with
Transfer Amex points to Etihad for first class travel

At the end of the line

Generally, you can get a better return on your credit card spending if you’re willing to get two credit cards rather than just one. I am in no way suggesting that the above are the only good strategies for maximizing points, but rather, I am saying that they are among the simplest and most economical strategies for maximizing your credit card rewards.

In some cases, it can be very beneficial to get a combination of personal and business credit cards to really maximize your rewards, but again, the above is all about the simplicity. For example, for many people, it might be worth getting the Chase Sapphire Reserve® (exam) instead of the Sapphire Preferred, whereas I would say the Blue Business® Plus credit card from American Express is a A phenomenal addition to just about any other card.

I’m curious to hear what readers of OMAAT think – what do you think is the best credit card duo?

The following links will direct you to the rates and fees for the mentioned American Express cards. These include: American Express® Business Gold Card (rates and fees), American Express® Gold Card (rates and fees) and the Blue Business® Plus credit card from American Express (rates and fees).


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