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Editor’s note: Every Monday, we answer your toughest credit card questions. If you would like to ask us a question, tweet us at @thepointsguy, message us on Facebook or email us at info@thepointsguy.com.
TPG reader Brady recently emailed us asking for a recommendation for the best combination of credit cards for travel. He said:
[pullquote source=”Brady”]I could really use an article to help me choose which credit card combinations to use. Do I use the Reserve in combination with an airline or hotel card? If I have a card for all three I will accrue much fewer points on the Reserve. If I just have the Reserve, I won’t gain as many airline or hotel points. But maybe that’s worth it for the 1.5x redemption? I understand everyone’s needs/goals are different but I’m sure there are some common groups.[/pullquote]
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Frankly, this is a difficult question because the best cards for you should fit your travel goals, spending habits and lifestyle. TPG recommends a few card combinations, so let’s take a look at some of the recommended combinations and then I’ll dive into my recommendations for choosing a credit card portfolio that’s a good fit for you.
Chase Trifecta or Chase Quartet
| Earning rates | Annual fee | Sign-up bonus | |
|---|---|---|---|
| Chase Sapphire Reserve | 10x on Lyft rides through March 31, 2025
3x on travel and dining 1x on everything else |
$550 | 60,000 bonus points after you spend $4,000 in the first 3 months from account opening. |
| Chase Sapphire Preferred Card | 5x total points on all travel purchased through Chase Ultimate Rewards
3x points on dining, including eligible delivery services, takeout and dining out 3x points on select streaming services 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs) 2x points on all other travel 1x point on all other purchases |
$95 | 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. |
| Ink Business Preferred Credit Card | 3x on the first $150,000 spent each account anniversary year on travel, shipping purchases, internet services, cable services, phone services and advertising purchases with social media sites and search engines
1x on everything else |
$95 | 100,000 points after you spend $15,000 in the first three months from account opening |
| Chase Freedom Unlimited | 1.5% cash back (1.5x) on purchases | None | Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back! |
| Chase Freedom
(No longer open to new applicants) |
5% cash back (5x) on up to $1,500 in purchases each quarter in rotating categories
1% cash back (1x) on everything else |
None | $200 after you spend $500 in your first three months from account opening |
| Ink Business Cash Credit Card | 5% cash back (5x) on the first $25,000 spent each account anniversary year at office supply stores and on internet, cable and phone services
2% cash back (2x) on the first $25,000 spent each account anniversary year at gas stations and restaurants 1% cash back (1x) on everything else |
None | $750 (75,000 points) after you spend $7,500 in your first three months from account opening |
The information for the Chase Freedom has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Total annual fee for Chase Trifecta/Quartet: Depends on card selection, but can range from $95 to $740
The Chase Sapphire Reserve, Chase Sapphire Preferred Card and Ink Business Preferred Credit Card all earn Chase Ultimate Rewards points and offer solid travel protections, so you need at least one of these cards.
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You can add another card that also earns Ultimate Rewards points if you feel the annual fee justifies the additional earning and/or benefits. But, you’ll mainly boost your earnings by adding the no-annual-fee cards in the table above to your wallet. These cards normally earn cash-back rewards, but you can transfer these cash-back rewards to Ultimate Rewards points as long as you also have a card that earns Ultimate Rewards points.
Further reading:
Amex Trifecta
| Earning rates | Annual fee | Welcome bonus | |
|---|---|---|---|
| The Platinum Card® from American Express | 5x for flights booked directly with airlines, flights booked with American Express Travel (starting Jan. 1, 2021, earn 5x points on up to $500,000 on these purchases per calendar year)
5x on prepaid hotels booked with American Express Travel 1x on everything else |
$695 (see rates and fees) | 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. |
| American Express® Gold Card | 4x at restaurants and on up to $25,000 in purchases at U.S. supermarkets per calendar year
3x on flights booked directly with airlines or on amextravel.com 1x on everything else |
$250 (see rates and fees) | 60,000 points after you spend $4,000 on purchases on your new card in your first six months. |
| The Blue Business® Plus Credit Card from American Express | 2x on the first $50,000 in purchases each calendar year
1x thereafter |
None (see rates and fees) | Earn 15,000 points after spending $3,000 in the first 3 months of account opening |
Total annual fee for Amex Trifecta: $800
The Amex Trifecta carries a relatively high annual fee but provides an effective 10% return on select travel expenses, an 8% return on groceries and restaurants and a 4% return on non-bonus spending based on TPG’s valuations. Granted, these earning rates are somewhat restricted by caps on earning and only a subset of travel spending earning 5x. So, you may want to add (or replace a card or two with) the American Express® Green Card so that you’ll earn 3x on general travel spending.
The information for the Amex Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
However, if you book most of your hotels and flights through eligible methods, spend a sizeable amount on dining and groceries, use the benefits and credits on these cards, and love Amex’s hotel and airline transfer partners, then this combination of cards could be a valuable choice. Note that you may be able to find better offers for some Amex cards through the CardMatch Tool.
Further reading:
Wells Fargo Duo
| Earning rates | Annual fee | Welcome bonus | |
|---|---|---|---|
| Wells Fargo Visa Signature® Card | 1x points on other purchases | None | Earn 5x points on up to $12,500 spent on gas, grocery, and drugstore purchases during the first six months |
| Wells Fargo Propel American Express® card (no longer available for new applicants) | 3x on eating out, dining in, gas stations, rideshares, transit, flights, hotels, homestays, car rentals and popular streaming services
1x on everything else |
None | N/A |
The information for the Wells Fargo Visa Signature and Wells Fargo Propel American Express Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Total annual fee for Wells Fargo Duo: None
Although this combination doesn’t provide lounge access or more than a 1.5% return on groceries and other non-bonus spending, it can be a reasonable option if you’re looking for straightforward redemptions and only want to carry one card.
Further reading:
How to choose your credit card portfolio
As I mentioned earlier in this guide, as well as in how to assess and build your credit card portfolio, the perfect card mix is different for each person. When deciding which cards to carry in your wallet, you’ll want to consider the following questions:
- What type of rewards do you want to earn? (cash back, transferable currencies or airline/hotel points and miles)
- If you choose transferrable currencies, airline miles or hotel points, do you want to earn multiple currencies or focus on one?
- How many cards do you want to carry?
- Do you want some cards primarily for the benefits they offer (such as elite status or lounge access)?
- Are you willing to pay annual fees if the earnings and benefits provide enough value?
- What categories do you spend the most in each year?
Brady specifically wondered whether he should focus his efforts on earning Chase Ultimate Rewards points or whether he should also use hotel or airline cards. If you’re mainly interested in the earning aspect when selecting cards, you should calculate your expected return on spending for common expenses such as hotels and flights.
To calculate your return, you can use TPG’s valuations. But, you should adjust your valuations if you plan to redeem your rewards for a higher or lower value. For example, Brady seemingly uses his Chase Ultimate Rewards points to redeem for travel through the Chase Ultimate Rewards travel portal instead of by transferring to hotel and airline partners. So, he should use his expected redemption rate – 1.5 cents per point – instead of TPG’s valuation of 2 cents per point when comparing potential returns.
Since Brady will likely redeem his points for 1.5 cents each, his return using the Sapphire Reserve on travel or dining purchases is 4.5%. So, when he’s considering whether to use a different card for travel and dining purchases, the card should get more than a 4.5% return.
Further reading: How to assess and build your credit-card portfolio
Which cards should you use?
Brady told us that he travels for work domestically more than 100 nights each year. Assuming he is allowed to use his credit card when paying for work trips, but that most of his work-related expenses are travel and dining, I’d recommend the following combination:
As someone who travels for work 100+ nights each year, Brady is well-positioned to get top-tier status with one of the hotel chains, if he’s allowed to book eligible rates and can mostly stay with one chain. Depending on his preferences, he may want to consider one or more of the following cobranded hotel cards to provide elevated earnings and benefits while he’s earning status:
| Card earning rate with the hotel brand | Annual fee | Welcome bonus | Notable benefits | |
|---|---|---|---|---|
| Hilton Honors Aspire Card from American Express | 14x (8.4% based on TPG’s valuations) | $450 (see rates and fees) | 150,000 Hilton points after you spend $4,000 on the card within your first three months of card membership | Top-tier Hilton Diamond status
One weekend night reward with your new card and every year after renewal $250 Hilton resort statement credit each year of card membership Enrollment required for select benefits. |
| Hilton Honors American Express Surpass® Card | 12x (7.2%) | $95 (see rates & fees) | Earn 130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the card in the first three months of card membership. | Hilton Gold status |
| Marriott Bonvoy Boundless Credit Card | 17x | $95 | Earn 5 Free Nights (each night valued up to 50,000 points) after you spend $5,000 in the first three months from account opening. | Free Night Award worth up to 35,000 points every year after your card account anniversary
Marriott Bonvoy Silver Elite status 15 Elite Qualifying Night credits each calendar year Earn one credit towards elite status for every $5,000 you spend |
| Marriott Bonvoy Brilliant™ American Express® Card | 6x on eligible purchases at hotels participating in the Marriott Bonvoy program (4.8%) | $450 (see rates and fees) | Earn 75,000 bonus points after you spend $3,000 in purchases within the first three months of card membership. | Up to $300 Marriott Bonvoy statement credit for eligible purchases at hotels participating in the Marriott Bonvoy program
1 Free Night Award worth up to 50,000 points every year after your card renewal month Complimentary Marriott Gold elite status 15 Elite Qualifying Night credits each calendar year Enrollment required for select benefits. |
| World of Hyatt Credit Card | 4x (6.8%) | $95 | 30,000 Bonus Points after spending $3,000 on purchases within the first 3 months from account opening.
Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spend on purchases that normally earn 1 Bonus Point, on up to $15,000 in the first six months of account opening. |
World of Hyatt Discoverist status
1 free night at any Category 1-4 Hyatt hotel or resort every year after your cardmember anniversary 5 qualifying night credits toward your next tier status every year Earn 2 additional qualifying night credits toward your next tier status every time you spend $5,000 |
| IHG Rewards Premier Credit Card | up to 25x (5%) | $89 | Earn 125,000 bonus points, plus a reward night after you spend $3,000 on purchases in the first three months of account opening. | IHG Platinum Elite status
Fourth award night benefit Anniversary night worth up to 40,000 points on your account renewal anniversary date each year |
The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
And, he may also want to consider whether to chase airline status or remain a free agent. If he goes the free-agent route, some cobranded airline cards might prove useful for priority boarding, checked baggage allowance and even lounge access.
Further reading: The best credit cards for airfare purchases
Related reading
For rates and fees of the Hilton Honors Amex Surpass, please click here
For rates and fees of The Platinum Card from Amex, please click here
For rates and fees of the American Express Gold Card, please click here
For rates and fees of the Blue Business Plus from Amex, please click here
For rates and fees of the Marriott Bonvoy Brilliant, please click here
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