![]() See also: Complete Guide to Amex Membership RewardsĮarning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores ⚬ 1% everywhere else ⚬ 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats ⚬ 5% on hotels and rental cars booked via Capital One Travel See this post for details: Rakuten (formerly Ebates) Visa with Membership Rewards. Plus, you can set up your account to earn Membership Rewards points rather than cash back. All purchases made through the Rakuten online portal earn 3X when paid with this card (that’s in addition to the rewards earned from the portal). For online purchases, it’s hard to beat the fee-free Rakuten Visa. ![]() The Green card would add 3X for all travel (not just airfare), $100 credit per year for CLEAR, and $100 credit per year for airport lounge access purchased through Lounge Buddy. The Amex Green Card is another interesting add-on option.Also consider the Platinum Card for Schwab which has similar great perks to the Business Platinum and lets you cash out points for 1.05 cents each.Consider adding the Business Platinum Card in order to get fantastic perks, plus the ability to pay for certain flights with points at a value of approximately 1.5 cents per point.Also note that Amex isn’t widely accepted outside of the United States and so you’ll want a back-up Visa or Mastercard when traveling.Īdd-on: There are a number of great cards to consider adding onto this combo: In other words, this is not the best combo for those who spend big, or for those looking for great rewards on spend outside of the United States. On the other hand: The Gold card’s 4X grocery bonus is capped at $25K annual spend and is limited to stores within the US and the Blue Business Plus card charges foreign transaction fees and limits the 2X bonus to $50K per year. And, for those who can make good use of the Gold card’s $10 per month dining credits and $10 per month Uber / Uber Eats credits, the $250 annual fee is easy to justify. Plus, Amex frequently offers transfer bonuses so that you can end up with even more miles. Why this is a great combo: This combination delivers terrific earning potential (2X to 4X everywhere in the US!), plus the ability to transfer points to a wide variety of transfer partners (see: Amex Transfer Partners). So, without further ado, here are my favorite transferable points credit card combos… With the right cards, you can maximize point earnings and get the best value from your points. In each of the below cases, I believe that credit cards are better together. That’s important because transferring points in order to book high value awards is the single best way to get outsized value from your rewards. I chose those banks because each offers multiple cards with different earning rates and points transferable to airline and hotel programs. In this post I’ve taken a look at card combos from Amex, Capital One, Chase, and Citi. I removed Wells Fargo), I added a “which is best” section, I added the new Capital One Venture X card to the mix, and I updated details within each section to remove information that was out of date and/or to better explain the value of each combo. This post has been updated in several ways since last publication: I’ve limited the issuers to those with transferable points (i.e. For example, you can use one card to earn more points and another card to get the most value from those points. A number of banks have their own points programs, and in some cases it’s possible maximize value by combining the benefits of multiple cards.
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