As I’ve written about before, creating a lucrative credit card earning structure is paramount to accruing enough points to book meaningful awards. Sticking with a 2% cash back card won’t yield amazing returns that can transform your award travel, so getting a card duo is a worthwhile effort.
While I have written about the options offered from American Express and Citi, I have a strong opinion that the American Express Gold Card and American Express Blue for Business Plus in conjunction offer the most value of any two card duos if you are an international traveler. Let’s outline why I feel this way, and how this could potentially fit in your arsenal of cards:
- American Express Gold Card
- 4X points on US dining
- 4X points on US groceries (up to $25K in spend per calendar year)
- 1X everywhere else
This is an extremely solid card to earn an abundance of American Express points in a short time frame. My largest spend category is restaurants, so this card is top of wallet. Groceries are also a relatively large category for me, but truth be told I really hold this card for the dining multiplier. Many may ask why I don’t have the Citi Prestige. Well, I prefer Amex transfer partners, I value 4 Amex points more than 5 Citi points, and I generally transfer points to partners for airline award travel.
My other favorite card in my wallet is the:
- American Express Blue Business Plus Card
- 2X points on all spend (up to $50K per calendar year)
This card might be my favorite in my wallet. There is no transferrable bank point currency out there that earns as lucratively as this card does. A baseline of 2 points per dollar for American Express points is terrific, and couples nicely with the Gold card.
So there you have it, my favorite credit card duo, and the one I carry every day in my wallet while living and traveling within the US. In case you are wondering, I do carry a third and last card in case American Express is not accepted, and that is the Chase Sapphire Reserve. I find that most of the establishments that do not take American Express generally fall in the categories of parking garages, covered by travel, and restaurants which fall into the dining category for the CSR. I figure the CSR is the correct backup card over another possibility due to the categories that give me trouble.
Obviously, your mileage may vary concerning which card combo is suitable for your needs. But for me personally, American Express takes the cake.