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Best credit card combinations for everyday spending

If you’re satisfied with your credit card but are hungry for more rewards, consider a card combination


Rather than pick one card between two great options, why not apply for both? Some combinations of cards from the same issuer can earn you high rewards. Read on to learn more about our favorite picks.

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Running an errand to fill up your gas tank or restock your pantry may not be the most glamorous part of your day, but with the right credit card (or cards), you can make those everyday tasks much more rewarding. In fact, with the right credit combination that perfectly fits with your spending habits and most common bonus categories, you could compile big rewards in record time.

There are many card combos out there that you could try to capitalize on your everyday purchases, so you could earn a free hotel stay or flight or fund your obsession with HBO Max and Netflix while you go about your regular spending. The best combos include cards from the same issuer, so you can easily pool rewards without losing any value.

Here are some of the best favorite credit card combinations for everyday spending.

Best Chase credit card combo

A fan favorite card combo that we must mention is the Chase Freedom Unlimited® coupled with the Chase Sapphire Preferred® Card. Though the two cards have some overlap, you should use the Freedom Unlimited for 5 percent cash back on Lyft purchases (through March 2025), 3 percent back on drugstore purchases and 1.5 percent on general purchases. As for the Sapphire Preferred, it excels in earning 5X points on Ultimate Rewards travel, 3X points on select streaming services, dining and online grocery purchases and 2X on general travel.

For the overlap categories like dining and Chase Ultimate Rewards travel, we suggest using the Sapphire Preferred due to its 25 percent boot to points when redeemed for travel through the Ultimate Rewards portal (making your points worth 1.25 cents apiece). Further, the Sapphire Preferred offers a 10 percent anniversary points bonus on your previous year’s spending (in points).

All in all, this credit card combo is potentially quite lucrative with the Freedom Unlimited’s 1.5 percent cash back rate on general purchases and the Sapphire Preferred’s point-boosting feature. Both cards cover most everyday categories, so you can earn serious rewards through your regular spending.

Estimated yearly rewards: Chase Freedom Unlimited + Chase Sapphire Preferred

Combined rewardsAverage rewards rateEstimated rewards per year minus annual fee ($15,900 yearly spend)
  • 5X points on Chase Ultimate Rewards travel
  • 3X points on restaurants, select streaming services and online grocery purchases
  • 2X points on other travel purchases
  • 5% cash back on Lyft purchases
  • 3% cash back on drugstore purchases
  • 1.5% cash back on all other purchases

Who should apply: Chase Ultimate Rewards superfans or anyone looking to earn serious travel rewards are good candidates. Chase’s travel rewards program is one of the most robust and popular, so it’d be difficult to go wrong applying for this card combo. If you’ve been meaning to jump into Chase Ultimate Rewards, this is a great card combo to set you up for success.

Best Citi credit card combo

Another solid card pairing is the Citi® Double Cash Card and Citi Premier® Card. One of the best cash back cards, the Citi Double Cash offers up to 2 percent back on every purchase — 1 percent when you make the purchase and another 1 percent when you pay your bill on time. As for the Citi Premier, it offers 3X points on restaurants, supermarkets, gas stations, air travel and hotels.

Why combine the two cards? You can use the Double Cash to earn up to 2 percent cash back on purchases that don’t qualify under the Citi Premier Card’s bonus categories. And as an added bonus, the Citi Premier gives you an annual $100 off a hotel stay of $500 or more. If you’d like to combine your cash back rewards with your Citi ThankYou points, you can transfer your cash back rewards into Citi ThankYou points at a rate of $1 to 100 points.

Together, the two Citi cards push the rewards rate to 2.58 percent cash back for the average cardholder. We figure that a cardholder who spends around $15,900 per year on these two cards can earn around $315 in cash back per year.

Estimated yearly rewards: Citi Double Cash + Citi Premier Card

Combined rewardsAverage rewards rateEstimated rewards per year minus annual fee ($15,900 yearly spend)
  • 3X points on restaurants, supermarkets, gas stations, air travel and hotels
  • Up to 2% cash back on general purchases

Who should apply: If you’re already a big fan of the Citi Double Cash and its simple yet rewarding cash back, then adding the Citi Premier Card to your wallet is an easy move. Like other travel rewards programs, Citi ThankYou points are fairly flexible — allowing you to redeem them for gift cards, merchandise, statement credits, Citi transfer partner travel and more.

The main advantage of this pair is the Citi Double Cash’s ease of use and the $100 annual hotel credit from the Citi Premier Card, a rarity among other mid-tier travel cards.

Best American Express credit card combo

When you say “everyday categories,” you probably mean dining, groceries, gas and maybe transit (like rideshare services or the subway). Well, it’s a good thing this card combo covers all these categories — and more. If you’re carrying the American Express® Gold Card and the Blue Cash Preferred® Card from American Express in your pocket, you’ll have more rewards than you know what to do with.

Its 6 percent cash back at U.S. supermarkets (on up to $6,000 per year, then 1 percent) and select U.S. streaming subscriptions makes the Blue Cash Preferred one of the best for everyday spending. The 3 percent cash back at U.S. gas stations and on transit round out the card as an excellent, all-around card.

We recommend using the Blue Cash Preferred on groceries to earn that 6 percent cash back. Once you’ve reached the spending cap on the Blue Cash Preferred, you can fall back on the Amex Gold at U.S. supermarkets (4X points on up to $25,000 per year). The Amex Gold also earns 4X points at restaurants, another key everyday category. Adding to its already generous rewards, the Amex Gold also provides up to $120 annually in Uber Cash and a $120 dining credit.

Estimated yearly rewards: Amex Gold Card + Blue Cash Preferred

Combined rewardsAverage rewards rateEstimated rewards per year minus annual fee ($15,900 yearly spend)
  • 6% cash back at U.S. supermarkets (up to $6,000 per year)
  • 6% cash back on select U.S. streaming subscriptions
  • 3% cash back at U.S. gas stations and on transit
  • 4X points at restaurants
  • 3X points on flights booked with airlines or
  • 1X point on other purchases

Who should apply: Because the Blue Cash Preferred and the Amex Gold both charge annual fees ($0 intro annual fee for the first year, then $95 and $250 respectively), you should carefully consider whether these cards are worth the cost. To a cardholder who lives the high life, spending plenty on everyday purchases as well as luxuries, this credit card combo may be a perfect fit.

Though the expected $153 cash back (based on a $15,900 annual spend) from this card combo may not seem impressive, don’t forget the Amex Gold comes with various credits that should cover most of the cost of the annual fees. Nevertheless, we estimate you’d need to spend around $20,610 in a year to earn around $300 in rewards. So, if you spend around that much or well over it each year, you’ll have no problem enjoying this card combo.

Best Capital One credit card combo

Quickly making a name for itself in the travel rewards program space, Capital One is not an issuer you want to forget. In fact, the combo of the Capital One SavorOne Cash Rewards Credit Card and the is lucrative indeed. Let’s start with the everyday categories of the Capital One SavorOne Card — 3 percent cash back on dining, entertainment, popular streaming services and grocery stores. As for the Capital One Venture, it earns 5X miles on hotels and rental cars booked through Capital One Travel and 2X miles on every purchase.

Of course, you should use the Capital One SavorOne Card for all your grocery shopping, dining, Disney+ and Spotify accounts and movie theater visits. For travel and all other general purchases that aren’t included in either card’s bonus categories, like gas, it’s best to use the Venture card.

The Capital One SavorOne Card’s strength lies in its unlimited cash back (with no spending cap all year round), and according to The Points Guy, you may convert your cash back into Capital One miles by transferring it to your Venture Card — all for no annual fee. The Capital One Venture Card pairs well with other cards because of its 2X miles on every purchase and ability to transfer miles to Capital One travel partners.

Estimated yearly rewards: Capital One Venture Card + Capital One SavorOne Card

Combined rewardsAverage rewards rateEstimated rewards per year minus annual fee ($15,900 yearly spend)
  • 8% cash back on Capital One Entertainment purchases
  • 3% on dining, entertainment, popular streaming services and at grocery stores
  • 5X miles on hotels and rental cards booked through Capital One Travel
  • 2X miles on every purchase

Who should apply: For new cardholders who want to test out travel rewards while committing to a big rewards program like Chase Ultimate Rewards or American Express Membership Rewards, Capital One Travel is a great place to start. This card combo especially is good for beginners — the Venture Card has an annual fee of $95 and the Capital One SavorOne Card charges no annual fee.

It’s also a good combo if you like stockpiling miles while staying home, then using them all up on a massive vacation — which you can easily do with the entertainment and streaming site bonus categories on the Capital One SavorOne and 2X miles on the Venture Card.

Tips for stacking cards

  • Use the right card for each category of spend. It may seem obvious, but you should remember to use the card with the bonus category in groceries at the supermarket. For purchases not covered by a bonus category, try to use the card with a higher rewards rate on general purchases, as long as it’s more than 1 percent or 1X point.
  • Max out spending caps. To get the most value out of your cards, like the Blue Cash Preferred, you must use up every dollar of spend for the 6 percent bonus category. That’s about $500 a month, which is pretty manageable for families. However, if that’s outside your food budget, you should think outside the box and look for other items that you can purchase at the supermarket.
  • Buy gift cards. If you’re full up on groceries, many supermarkets will allow you to purchase gift cards with your credit card. Even if your card doesn’t give bonus rewards on or Best Buy purchases, you can always buy a gift card from the supermarket and still earn cash back or points.
  • Make it a trio of cards. Why stop at only two cards? You can further increase your earning rate by adding in an additional card that offers a bonus on other categories of purchases that your card combo doesn’t cover. In fact, many credit card aficionados speak highly of card trios of some issuers like the Chase trifecta or Citi trifecta.

Bottom line

With the right credit combination, you can earn hundreds of dollars in rewards on your everyday purchases. While the average cash back card earns a mere 1.5 percent cash back, you can easily double that amount by pairing the right cards. Not a bad incentive for running errands.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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