When contemplating your subsequent bank card, it is best to first have a look at your pockets and see if you happen to can construct a method round what you’ve got already bought. It is helpful to have many factors with one bank card issuer, quite than a handful of factors with every totally different financial institution.
With that mentioned, let’s assessment one of the best choices for bank cards with transferable factors you possibly can mix and how you can strategize by carrying a number of playing cards in the identical household.
Why it’s best to get a number of playing cards from the identical issuer
You’ll be able to:
American Categorical
Generally known as the “Amex Trifecta,” the three playing cards beneath are important for individuals who need to earn 1000’s of Membership Rewards factors every year. Whereas they’re nice stand-alone playing cards, utilizing them collectively is good due to their complementary rewards charges.
| Card | Welcome bonus | Incomes charges | Annual price |
|---|---|---|---|
| The Platinum Card® from American Categorical | Earn 80,000 bonus Membership Rewards factors after you spend $8,000 on purchases inside the first six months of card membership. | 5 factors per greenback on flights bought straight with the airline or with American Categorical Journey — as much as $500,000 of those purchases per calendar yr, then 1 level per greenback
5 factors per greenback on pay as you go accommodations booked on Amex Journey 1 level per greenback on different eligible purchases |
$695 (see charges and costs) |
| American Categorical® Gold Card | Earn 60,000 bonus Membership Rewards factors after you spend $6,000 on purchases in your new card in your first six months of card membership. Plus, obtain 20% again in assertion credit on eligible restaurant purchases (as much as $100) inside the first six months of card membership. | 4 factors per greenback on eating at eating places (on as much as $50,000 in purchases per calendar yr, then 1 level per greenback)
4 factors per greenback at U.S. supermarkets — on as much as $25,000 of those purchases per calendar yr (then 1 level per greenback) 3 factors per greenback on flights booked straight with the airline or with AmexTravel.com 2 factors per greenback spent on pay as you go accommodations and different eligible purchases booked on AmexTravel.com 1 level per greenback on different eligible purchases |
$325 (see charges and costs) |
| The Blue Enterprise® Plus Credit score Card from American Categorical | Earn 15,000 Membership Rewards® factors after you spend $3,000 in eligible purchases on the cardboard inside your first three months of card membership. | 2 factors per greenback on the primary $50,000 of purchases per calendar yr (then 1 level per greenback)
1 level per greenback on all different eligible purchases |
$0 (see charges and costs) |
Earn large welcome bonuses
Amex has a once-per-lifetime rule that restricts you from incomes a welcome bonus greater than as soon as per card. You’ll be able to open all three of those playing cards and earn the welcome bonus on every — as long as you have not held the cardboard beforehand — and proceed so as to add to your factors steadiness, although Amex will most probably disqualify you from getting a welcome provide on a lower-tier card if you happen to’ve beforehand held a higher-tier card inside the similar card household.
Incomes charges throughout fashionable classes
Every card gives glorious incomes charges that may mix to supply bonus factors on nearly each buy you may have in life. This is a cheat sheet of when to make use of every card:
| Buy | Card to make use of |
|---|---|
| Flights | Amex Platinum for five factors per greenback till you meet the $500,000 threshold per calendar yr. From there, you should utilize the Amex Gold for 3 factors per greenback. Flights should be bought straight with the airline or via amextravel.com |
| Motels | Amex Platinum for five factors per greenback if reserving via Amex Journey |
| Eating at eating places | Amex Gold for 4 factors per greenback (on as much as $50,000 in purchases per calendar yr, then 1 level per greenback) |
| U.S. supermarkets | Amex Gold for 4 factors per greenback as much as the $25,000 threshold per calendar yr at U.S. supermarkets (then 1 level per greenback). After that, use the Blue Enterprise Plus as much as the $50,000 threshold per calendar yr for two factors per greenback. For supermarkets exterior the U.S., use the Amex Gold or Amex Platinum for 1 level per greenback with no international transaction charges (see charges and costs for Amex Gold and charges and costs for Amex Platinum) |
| All different purchases (gasoline, payments, and so on.) | Amex Blue Enterprise Plus for two factors per greenback as much as the $50,000 threshold per calendar yr (then 1 level per greenback) |
Associated: 5 methods you is likely to be eligible for a enterprise bank card with out realizing it
Capital One
Capital One is newer to the transferable factors recreation, however there’s quite a bit to like about this system. Along with playing cards that earn transferable Capital One miles, you possibly can open back-back playing cards from the Savor and Quicksilver card households. Whereas marketed as cash-back playing cards, you possibly can flip your money again into Capital One miles.
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| Card | Signal-up bonus | Incomes charge | Annual price |
|---|---|---|---|
| Capital One Enterprise Rewards Credit score Card | Earn 75,000 bonus miles once you spend $4,000 on purchases within the first three months from account opening, plus a $250 Capital One Journey credit score to make use of within the first cardholder yr. | 5 miles per greenback on accommodations, trip leases and rental vehicles booked with Capital One Journey
2 miles per greenback on all different purchases |
$95 |
| Capital One Enterprise X Rewards Credit score Card | Earn 75,000 bonus miles once you spend $4,000 on purchases within the first three months from account opening. | 10 miles per greenback on accommodations and automobile leases booked through Capital One Journey
5 miles per greenback on flights and trip leases booked through Capital One Journey 2 miles per greenback on different purchases |
$395 |
| Capital One VentureOne Rewards Credit score Card | Earn 20,000 bonus miles when you spend $500 inside the first three months from account opening. | 1.25 miles per greenback on all purchases | $0 |
| Capital One Savor Money Rewards Credit score Card (not accessible to new candidates) | N/A
|
8% money again on Capital One Leisure purchases
4% again on eating, leisure and eligible streaming providers 3% again at grocery shops 1% again on all different purchases
|
$95 |
| Capital One SavorOne Money Rewards Credit score Card | Earn a one-time $200 money bonus welcome bonus after spending $500 in purchases inside the first three months of account opening. | 3% money again on eating, leisure, eligible streaming providers and at grocery shops (excluding superstores like Walmart® and Goal®)
1% again on all different purchases |
$0 |
| Capital One Quicksilver Money Rewards Credit score Card | Earn a $200 money bonus after spending $500 on purchases inside three months of account opening. | 1.5% money again on all purchases | $0 |
| Capital One QuicksilverOne Money Rewards Credit score Card | None | 1.5% money again on all purchases | $39 |
The knowledge for the Capital One Savor has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Capital One utility guidelines
Capital One solely permits you to have two of its private playing cards open without delay, so make sure to select properly.
One other rule prohibits you from making use of for a couple of new Capital One card each six months. It is essential to be aware of those restrictions to maximise your approval odds and long-term bank card technique.
Associated: Suggestions and tips to get most worth out of your Capital One miles
Incomes charges throughout fashionable classes
| Buy | Card to make use of |
|---|---|
| Flights | Enterprise X for five miles per greenback if booked via Capital One Journey; Enterprise Rewards or Enterprise X for two miles per greenback in any other case |
| Motels | Enterprise X for 10 miles per greenback if booked via Capital One Journey; Enterprise Rewards for five miles per greenback with Capital One Journey; Enterprise Rewards or Enterprise X for two miles per greenback in any other case |
| Eating at eating places | Savor Money for 4% again |
| Supermarkets | Savor or SavorOne for 3% again |
| All different purchases (gasoline, payments, and so on.) | Savor for 8% again on leisure purchases and 4% again on streaming providers; Enterprise Rewards or Enterprise X for two miles per greenback on different purchases |
Chase
The Chase trifecta is well-known throughout the factors and miles neighborhood and is a powerhouse trio of playing cards.
All the no-annual-fee choices listed beneath are cash-back playing cards, however earn rewards within the type of Final Rewards factors. These factors are price just one cent every until you additionally carry an “anchor card” that may probably elevate the worth of those factors.
Your anchor card choices are the Chase Sapphire Reserve® ($550 annual price), Chase Sapphire Most well-liked® Card ($95 annual price) or the Ink Enterprise Most well-liked® Credit score Card ($95 annual price).
The place the true worth of those Chase anchor playing cards comes into play is entry to Chase’s airline and resort switch companions — and your factors may be price 2.05 cents every when redeemed this fashion, in keeping with TPG’s August 2024 valuations.
Lengthy story brief, there’s a number of flexibility with the Chase trifecta, and you may combine and match the playing cards you need based mostly in your preferences. Listed below are all your choices:
| Card | Signal-up bonus | Incomes charge | Annual price |
|---|---|---|---|
| Chase Sapphire Reserve® | Earn 60,000 bonus Final Rewards factors after spending $4,000 within the first three months of account opening. | 10 factors per greenback on accommodations and automobile leases bought via Chase Journey℠
10 factors per greenback on Chase Eating purchases 10 factors per greenback on Lyft rides (till March 2025) 5 factors per greenback on flights bought via Chase Journey 3 factors per greenback on eating and journey purchases (excluding purchases lined by the annual $300 journey credit score) 1 level per greenback on all different eligible purchases |
$550 |
| Chase Sapphire Most well-liked® Card | Earn 60,000 bonus factors after you spend $4,000 on purchases within the first three months of account opening. | 5 factors per greenback on journey bought via Chase Journey (excluding resort purchases that qualify for the $50 annual resort credit score)
5 factors per greenback on Lyft rides (via March 2025) 3 factors per greenback on choose streaming providers, on-line grocery retailer purchases (excluding Goal, Walmart and wholesale golf equipment) and eating 2 factors per greenback on all different journey purchases 1 level per greenback on all different eligible purchases |
$95 |
| Ink Enterprise Most well-liked® Credit score Card | Earn 120,000 bonus factors after spending $8,000 on purchases within the first three months from account opening. | 3 factors per greenback on the primary $150,000 spent in mixed purchases every account anniversary yr within the following classes: delivery, web, cable and cellphone providers, promoting purchases with social media websites and engines like google and on journey (then 1 level per greenback after passing this threshold)
1 level per greenback on all different eligible purchases |
$95 |
| Ink Enterprise Limitless® Credit score Card | Earn $750 bonus money again after you spend $6,000 on purchases within the first three months from account opening. | 1.5% money again on all eligible purchases | $0 |
| Ink Enterprise Money® Credit score Card | Earn as much as $750: $350 bonus money again after you spend $3,000 on purchases within the first three months and an extra $400 once you spend $6,000 on purchases within the first six months from account opening. | 5% money again on the primary $25,000 spent in mixed purchases every account anniversary yr from the next classes: workplace provide shops, web, cable and cellphone providers (then 1% again after passing this threshold)
2% again on the primary $25,000 spent in mixed purchases every account anniversary yr from the next classes: gasoline and eating places (then 1% again after passing this threshold) 1% again on all different eligible purchases |
$0 |
| Chase Freedom Limitless® | Earn an extra 1.5% money again on all the pieces you purchase (on as much as $20,000 spent within the first yr), price as much as $300 money again. | 5% money again on journey bought via the Chase Journey portal
3% again on drugstore purchases and eating at eating places (together with takeout and eligible supply providers) 1.5% on all different purchases |
$0 |
| Chase Freedom Flex® | Earn $200 money again after you spend $500 on purchases within the first three months from account opening.
|
5% money again on as much as $1,500 in mixed purchases in rotating bonus classes every quarter (activation required)
5% again on journey bought via the Chase Journey portal 3% again on eating and drugstore purchases 1% again on all different purchases |
$0 |
Earn massive welcome bonuses
Chase’s 5/24 rule is among the many most restrictive of any issuer. You doubtless aren’t eligible for any Chase card (or its sign-up bonus) if you happen to’ve opened 5 or extra bank cards from any and all issuers up to now 24 months. The 5/24 rule incentivizes candidates to begin inside Chase playing cards first. We strongly suggest constructing your trifecta of Chase playing cards — not solely to supercharge your earnings however as a result of you might develop into ineligible if you happen to open different playing cards first.
Lastly, it is price noting which you could solely carry one of many Sapphire playing cards at a time. So, if you do not have both already, now’s the time to resolve between the premium Sapphire Reserve or the wallet-friendly Sapphire Most well-liked.
Chase trifecta mixtures
Whereas there are historically three playing cards within the Chase trifecta, you possibly can theoretically open extra than simply three Chase playing cards down the highway for extra sign-up bonuses and entry to much more bonus classes. Listed below are among the methods you possibly can combine and match the Chase trifecta to suit your wants:
- Chase Sapphire Reserve (or Chase Sapphire Most well-liked)
- Ink Enterprise Most well-liked (and/or Ink Enterprise Limitless/Ink Enterprise Money)
- Chase Freedom Limitless (and/or Chase Freedom Flex)
Irrespective of which mixture you select, make sure to maintain one flat-rate incomes card (Ink Enterprise Limitless or Chase Freedom Limitless) that may can help you earn 1.5% again on all non-bonus purchases.
Associated: One of the best Chase bank cards
Incomes charges throughout fashionable classes
| Buy | Card to make use of |
|---|---|
| Flights | Sapphire Reserve or Sapphire Most well-liked for five factors per greenback via the Chase Journey portal; if reserving straight with an airline, use the Ink Enterprise Most well-liked or Sapphire Reserve for 3 factors per greenback |
| Motels | Sapphire Reserve for 10 factors per greenback via the Chase Journey portal; the Sapphire Most well-liked has a $50 annual resort credit score that you should utilize, whereas the Sapphire Reserve and Ink Enterprise Most well-liked can present 3 factors per greenback if reserving straight |
| Eating at eating places | Sapphire Reserve for 10 factors per greenback through Chase Eating; 3 factors per greenback in any other case with the Sapphire Reserve and Sapphire Most well-liked, or 3% again with the Freedom Limitless and Freedom Flex |
| Supermarkets | Freedom Flex for five% again if grocery shops (excluding Walmart and Goal) is among the present bonus classes; Sapphire Most well-liked for 3 factors per greenback on grocery supply orders; Freedom Limitless for 1.5% again in any other case |
| All different purchases (gasoline, payments, and so on.) | Chase Sapphire Most well-liked for 3 factors per greenback on streaming; Ink Enterprise Money for five% again on web and cellphone providers; Ink Enterprise Money for two% again on gasoline |
It is also price discussing some limitations of Chase’s latest small-business bank card. The Ink Enterprise Premier Credit score Card earns 2.5% again on purchases of $5,000 or extra and limitless 2% again on all different purchases. Sadly, these earnings can’t be mixed with Final Rewards as we’re used to with different Chase bank cards. Thus, we’ve not included this card within the chart above as a result of limitations on redemptions.
Associated: How (and why) to mix your Chase Final Rewards factors right into a single account
Citi
Citi presents some fascinating choices which can be worthy of consideration.
Sadly, there’s just one card you possibly can apply for proper now that earns transferable ThankYou factors that you should utilize with all of Citi’s switch companions: the Citi Strata Premier℠ Card (see charges and costs). That is as a result of the premium Citi Status® Card is not open to new candidates, and the Citi Double Money® Card (see charges and costs) solely gives transfers to some applications — until you maintain the Premier or Status card.
The knowledge for the Citi Status has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
If you happen to’ve already bought both the Strata Premier or Status, you possibly can add one of many cash-back playing cards in Citi’s lineup to maximise your earnings with extra bonus classes. It is also price holding the Citi Rewards+® Card (see charges and costs) attributable to its roundup function and the power to get again 10% of your redeemed factors every year, as much as 100,000 factors redeemed yearly. What’s fascinating is that this redemption profit applies to factors redeemed out of your different Citi playing cards so long as you’ve gotten the playing cards linked to your ThankYou factors account.
| Card | Signal-up bonus | Incomes charge | Annual price |
|---|---|---|---|
| Citi Strata Premier℠ Card (see charges and costs) | Earn 70,000 Citi ThankYou factors after spending $4,000 within the first three months of account opening. | 3 factors per greenback at eating places, supermarkets, gasoline stations and EV charging stations, air journey and accommodations
1 level per greenback on different eligible purchases |
$95 |
| Citi Status® Card (not open to new candidates) | None | 5 factors per greenback at eating places, airways and journey businesses
3 factors per greenback at accommodations and cruise strains 1 level per greenback on different purchases |
$495 |
| Citi Double Money® Card (see charges and costs) | Earn $200 money again after you spend $1,500 on purchases within the first six months of account opening. | 2 factors per greenback on all purchases: 1 level per greenback once you purchase and 1 level per greenback once you pay your bank card invoice | $0 |
| Citi Customized Money® Card (see charges and costs) | Earn a $200 money bonus after you spend $1,500 on purchases within the first six months from account opening. This bonus provide might be fulfilled as 20,000 Factors, which may be redeemed for $200 money again. | 5% in your prime eligible spend class as much as $500 spent every billing cycle (then 1% again). Classes embrace eating places, gasoline stations, grocery shops, choose journey, choose transit, choose streaming providers, drugstores, residence enchancment shops, health golf equipment and dwell leisure
1% on all different eligible purchases An extra 4% money again on accommodations, automobile leases, and points of interest booked on the Citi Journey℠ portal via June 30, 2025 |
$0 |
| Citi Rewards+® Card (see charges and costs) | Earn 20,000 bonus factors after you spend $1,500 in purchases together with your card inside three months of account opening. | Earn 5 factors per greenback on accommodations, automobile leases, and points of interest (excluding air journey) booked on the Citi Journey portal via December 31, 2025
2 factors per greenback at supermarkets and gasoline stations — as much as $6,000 of those purchases yearly, then 1 level per greenback 1 level per greenback on different purchases Spherical as much as the closest 10 factors on every buy, e.g. a purchase order of $0.89 would earn 10 factors, whereas a purchase order of $24 would earn 30 factors |
$0 |
Welcome bonus restrictions
On prime of being delicate to the variety of current inquiries in your credit score report, Citi has strict guidelines about how typically you may be authorised for a bank card and different guidelines on how typically you possibly can earn a sign-up bonus.
You’ll be able to apply for only one bank card each eight days and not more than two Citi playing cards inside 65 days. You are restricted to only one enterprise card from Citi each 90 days.
These guidelines are simple to grasp; the 24-month rule is extra advanced. You should wait 24 months from the date you opened or closed a ThankYou factors bank card earlier than incomes a bonus on one other card. Listed below are instance phrases taken from the appliance web page for the Citi Strata Premier:
“Bonus ThankYou® Factors will not be accessible in case you have acquired a brand new account bonus for a Citi Premier® or a Citi Strata PremierSM account up to now 48 months.”
Associated: One of the best Citi bank cards
Incomes charges throughout fashionable classes
It is price declaring that the Rewards+ card could also be one of the best bank card for small purchases, given its “roundup” function.
| Buy | Card to make use of |
|---|---|
| Flights | Citi Status for five factors per greenback or Citi Strata Premier for 3 factors per greenback |
| Motels | Citi Status or Citi Strata Premier for 3 factors per greenback |
| Eating at eating places | Citi Status for five factors per greenback or Citi Strata Premier for 3 factors per greenback |
| Supermarkets | Citi Strata Premier for 3 factors per greenback |
| All different purchases (gasoline, payments, and so on.) | Citi Strata Premier for 3 factors per greenback at gasoline stations; Citi Customized Money for five% again if that is your prime spending class throughout that billing cycle; Citi Double money for two factors per greenback on all purchases; Rewards+ card if it is a small buy and might be rounded as much as the closest 10 factors |
Backside line
While you maintain one card that earns transferable factors, it is doubtless which you could add one other card from the identical issuer to beef up your earnings in further spending classes. It is as simple as utilizing a two- or three-card technique and pooling your rewards into one account. On this approach, you may earn additional factors or money again on a whole bunch or 1000’s of transactions every year, resulting in massive rewards.
Associated: 6 simple methods I exploit to earn over 500,000 factors and miles a yr
For charges and costs of the Amex Platinum Card, click on right here.
For charges and costs of the Amex Gold Card, click on right here.
For charges and costs of the Amex Blue Enterprise Plus, click on right here.
