Maximize Your Rewards by Combining Credit Cards

Unlock different ways to combine your credit card points!

Using multiple credit cards can really amp up your rewards! For example, one card might give you 5% back on groceries, while another offers 3% on travel.

If you play your cards right, you’ll rack up way more points or cashback and get the most out of your spending!

Benefits of combining credit cards

Access to Welcome Bonuses

Many credit cards offer fantastic welcome bonuses for new cardholders. By strategically applying for cards and meeting a certain spending threshold within the first few months, you can earn a significant number of rewards.

Flexible Redemption Options

Different cards let you redeem your rewards in various ways—like travel, merchandise, statement credits, or even gift cards. This means you can pick the option that gives you the most value based on what you actually want or need!

Tailored Spending Strategy

Combining cards allows you to create a spending strategy that fits your lifestyle. You can focus on categories where you spend the most, ensuring you’re always getting the best rewards for your purchases.

Switch Up How You Use Your Rewards

If you’ve got cash-back cards, have you thought about converting those cash rewards into points for something different, like travel? Some travel cards let you turn your points back into cash at the same value.

Share Points with Family

Another cool feature of many rewards programs is that you can share your points with others. For instance, if you have points in a program like Chase Ultimate Rewards®, you can easily transfer them to someone in your household. This way, you can make those rewards go further as a family!

Don’t Let Your Rewards Go to Waste

If you’re thinking about closing a credit card, be careful! You might lose any unused points unless you transfer them to another card that you’re planning to keep. So, before you make that decision, take a moment to move your points to a card that fits your lifestyle. That way, you won’t lose any of those hard-earned benefits!

How to Select the Best Credit Cards to Combine

Choosing the right credit cards to combine can really boost your rewards and make the most of your spending.

Know Where Your Money Goes

Take a good look at your spending habits. Do you spend a lot on dining out, traveling, or maybe stocking up on groceries? Understanding where your money flows can help you pick cards that give you the best rewards for those categories.

Explore the Benefits

Dive into the perks that different cards offer. Some may give you great cash back, while others might reward you with travel points or special bonuses.

Think About How You Want to Use Your Rewards

Some cards let you cash in your points for travel, cashback, or even gift cards! If you’re dreaming of a vacation, make sure your cards can help you rack up those points for that getaway!

Card Combinations to Enhance Your Rewards

Cashback and Travel Rewards

Start with a Chase Freedom Flex for everyday purchases—it offers up to 5% cashback in rotating categories! Then, pair it with the Chase Sapphire Preferred for travel and dining.

You can earn points that you can transfer to airline and hotel programs, perfect for your next getaway!

Grocery and Gas Rewards

If groceries are a big part of your budget, the Blue Cash Preferred® Card from American Express gives you 6% cashback on grocery purchases. Combine that with the Costco Anywhere Visa® Card for 4% cashback on gas. You’ll earn more on two essentials!

Everyday and Dining Rewards

For your everyday spending, try the Citi® Double Cash Card—you’ll get 2% cashback on all purchases. To maximize your dining out, add the Capital One SavorOne card, which offers 3% cashback on restaurants and entertainment.

Just know where you spend the most and choose the right cards to score bonuses and flexible options. With the right mix, you’ll get more out of your spending.

Written by

Everaldo Santiago