Whereas a number of bank cards work nicely individually, strategically combining some playing cards can present a significantly better worth. Groupings such because the Chase trifecta or Amex trifecta, the place you maintain three playing cards in the identical rewards program, are apparent examples.
Nonetheless, small-business house owners have much more alternatives to mix playing cards to maximise worth. Even when you do not have a registered restricted legal responsibility firm, your aspect hustle can qualify you to open enterprise bank cards.
The perfect private/enterprise card combos typically work higher collectively than alone or complement one another that will help you diversify your factors incomes and bonus classes.
Let’s talk about our favourite card combos and why they work so nicely collectively.
Associated: The perfect enterprise playing cards
Marriott Bonvoy Enterprise American Categorical Card and Marriott Bonvoy Boundless Credit score Card
Greatest for: These seeking to earn Marriott Bonvoy elite standing.
Why they work collectively: In the event you’re seeking to get a bounce on incomes top-tier elite standing with the Marriott Bonvoy program, one tip is to carry a private and enterprise bank card from Marriott.
The Marriott Bonvoy Enterprise® American Categorical® Card gives 15 elite evening credit and computerized Gold elite standing and has a $125 annual price (see charges and charges). The Marriott Bonvoy Boundless® Credit score Card gives 15 elite evening credit as nicely, and when combining the elite evening credit from playing cards, you may solely want to remain 20 nights to earn Platinum Elite standing.
After all, these playing cards include some nice advantages past the potential for Platinum Elite standing — a free evening award yearly on every (with the potential to earn a second on the Marriott Bonvoy Enterprise Amex) and strong incomes charges.
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Each playing cards earn 6 factors per greenback spent at Marriott inns, whereas the Bonvoy Boundless earns 3 factors per greenback spent on eating at eating places, gasoline stations and grocery shops (as much as $6,000 per 12 months, 1 level per greenback thereafter).
In the meantime, the Bonvoy Enterprise card earns 4 factors per greenback spent at eating places worldwide and U.S. gasoline stations, on wi-fi cellphone providers bought from U.S. service suppliers and U.S. purchases for transport and a pair of factors per greenback spent on all different eligible purchases.
The Marriott Boundless has a $95 annual price, so collectively, each playing cards value $220 per 12 months in annual charges.
Associated: The perfect Marriott bank cards
The Enterprise Platinum Card from American Categorical and The Platinum Card from American Categorical
Greatest for: Luxurious vacationers who need to maximize their enterprise and private journey experiences.
Why they work collectively: Whereas overlapping in some options, these playing cards provide an unbeatable lineup of luxurious journey advantages. You are incomes 5 factors per greenback spent on flights (on as much as $500,000 on The Platinum Card® from American Categorical, then 1 level per greenback spent after that) in addition to pay as you go inns booked with American Categorical Journey. The playing cards additionally present entry to perks equivalent to Gold elite standing with Marriott and Hilton and intensive lounge entry. Enrollment is required for choose advantages.
Whereas each of those playing cards provide entry to the identical assortment of Membership Rewards switch companions (and frequent switch bonuses), The Enterprise Platinum Card® from American Categorical‘s 35% bonus while you Pay with Factors for choose flights by Amex Journey permits you to lock in a minimal redemption worth of 1.5 cents per level and proceed to earn miles and standing perks in your flights.
Every card has its personal spectacular welcome provide as nicely. The Amex Enterprise Platinum gives 150,000 bonus factors after you spend $20,000 throughout the first three months of card membership, whereas the Amex Platinum gives 80,000 bonus factors after you spend $8,000 on purchases inside your first six months of card membership. Collectively, these bonuses alone are value $4,600, in line with TPG’s December 2024 valuations.
Your annual charges will probably be steeper at $1,390 complete — $695 for the non-public Platinum (see charges and charges) and $695 for the Enterprise Platinum (see charges and charges).
Associated: The reason why it is best to have each the non-public and enterprise Amex Platinum
Ink Enterprise Most popular Credit score Card and Chase Sapphire Reserve
Greatest for: Maximizing the Chase Final Rewards program.
Why they work collectively: Whereas the Chase Sapphire Reserve® is undeniably Chase’s most premium card providing, it does not have probably the most precious welcome bonus within the household. That title goes to the Ink Enterprise Most popular® Credit score Card, which has a 90,000-point bonus (after spending $8,000 on purchases within the first three months from account opening) value a whopping $1,845, based mostly on TPG’s December 2024 valuations.
Nonetheless, after efficiently making use of for the Chase Sapphire Reserve, you may earn 60,000 bonus factors after spending $4,000 on purchases within the first three months. Mixed, the Sapphire Reserve and Ink Enterprise Most popular bonuses will provide you with 180,000 Final Rewards factors, which you’ll be able to maximize by transferring to certainly one of Chase’s journey companions, together with World of Hyatt.
The Sapphire Reserve earns 3 factors per greenback spent on all journey (excluding the $300 annual journey credit score) and eating purchases. These bonus classes are very broadly outlined and don’t have any annual caps or limits, making for doubtlessly profitable reward earnings.
The Ink Enterprise Most popular additionally earns 3 factors per greenback in your first $150,000 spent yearly in choose business-friendly classes that embody journey, transport, web, cable and cellphone providers and eligible internet advertising.
The Sapphire Reserve offers many perks for luxurious journey, together with an announcement credit score of as much as $120 for International Entry/TSA PreCheck each 4 years.
Associated: Why the Chase Sapphire Reserve and Ink Enterprise Most popular combo is ideal for {couples} who journey
American Categorical Enterprise Gold Card and Financial institution of America Personalized Money Rewards bank card
Greatest for: These concerned with versatile rewards classes.
Why they work collectively: These two playing cards have one factor in frequent — versatile bonus classes.
The American Categorical® Enterprise Gold Card earns 4 factors per greenback spent on the primary $150,000 spent yearly within the two classes you spend probably the most in every billing cycle (then 1 level per greenback thereafter). The bonus factors are mechanically assigned on the finish of the billing cycle to the 2 classes the place you spend probably the most.
The Financial institution of America® Personalized Money Rewards bank card permits you to earn 3% money again on one of many following classes of your selecting:
- Gasoline and electrical automobile charging stations
- On-line procuring/cable/web/cellphone plans/streaming
- Eating
- Journey
- Drugstores/pharmacies
- Residence enchancment/furnishings
You will additionally earn 2% money again at grocery shops and wholesale golf equipment. (Be aware: There’s a $2,500 quarterly restrict on mixed 3% and a pair of% money again purchases; you may earn 1% money again after reaching this cover).
If you’re an present Financial institution of America buyer, you would earn much more rewards by the Most popular Rewards® program.
Collectively, these two playing cards help you customise your rewards construction to your particular spending habits, each at residence and on the workplace. Plus, the Financial institution of America Personalized Money Rewards card has no annual price, that means you may solely need to take care of the $375 annual price on the Amex Enterprise Gold card (see charges and charges).
Associated: Is the Amex Enterprise Gold definitely worth the annual price?
The Blue Enterprise Plus Credit score Card from American Categorical and Chase Sapphire Most popular Card
Greatest for: Inexperienced persons who need to rack up each Membership Rewards and Chase Final Rewards factors at a low value.
Why they work collectively: Chase Final Rewards and Amex Membership Rewards are two of probably the most precious transferable factors currencies on the market. Nonetheless, the top-tier playing cards for each of those applications value greater than $1,000 in annual charges mixed.
The Blue Enterprise® Plus Credit score Card from American Categorical is way and away the finest enterprise card for on a regular basis spending, providing 2 factors per greenback spent in your first $50,000 in purchases every year (then 1 level per greenback spent thereafter). In the event you use this on your nonbonus spending and put your journey and eating purchases on the Chase Sapphire Most popular® Card, you may assure worth out of each buy you make.
The Sapphire Most popular card is a good alternative for incomes precious Chase Final Rewards factors on journey and eating purchases.
The perfect half? The Blue Enterprise Plus has no annual price (see charges and charges), so collectively, these playing cards solely value $95 in annual charges.
Associated: Learn how to maximize your rewards incomes with the Chase Sapphire Most popular
Backside line
These are just some of probably the most promising enterprise and private card combos, however you may tailor these solutions to fulfill your individual wants. Begin with robust constructing blocks just like the Amex Enterprise Platinum or Chase Sapphire Reserve, and search for playing cards with complimentary perks and bonus classes or playing cards that may allow you to diversify into a wholly new rewards foreign money.
Associated: Enterprise playing cards vs. private playing cards: Key variations
For charges and charges of the Enterprise Platinum Amex, click on right here.
For charges and charges of the Platinum Card, click on right here.
For charges and charges of the Amex Enterprise Gold, click on right here.
For charges and charges of the Blue Enterprise Plus Amex, click on right here.
For charges and charges of the Marriott Bonvoy Enterprise, click on right here.
