Credit Card Strategies : How to combine credit cards?

There are as many credit card strategies as there are credit cards. This section is not meant to imply that the suggested credit card combinations are the best and the only ones, but to give an idea of the types of strategies commonly used and also to stimulate new credit card combination ideas. We appreciate if you could share your credit card strategy with our readers.

Discover Card Combinations

Discover Gas Card with Discover Platinum Card. - Discover card holders should consider combining the Discover® Gas Card and the Discover® Platinum Card. I feel that combining these two cards allow you to earn more cash rebates.

The Discover Gas Card allows you to earn 5% rebates on gasoline purchases for up to $1,200 in annual gasoline spending. The Discover Platinum Card allows you to earn 5% rebates from merchants in their GET MORE program. Both cards also allow you to increasing the value of your rebates (up to double) when you exchange your cash rebates for gift certificates of their 60 merchant partners.

Cash Rebate Strategies

Blue Cash from American Express with Discover Platinum Card - To earn more cash rebates, combining cash back credit cards is probably the thing to do as there is no perfect cash rebate card. One possible combination is to combine the Blue Cash® from American Express and the Discover® Platinum Card. The Blue Cash allows you to earn 5% rebates on purchases at supermarkets, gasoline stations and drugstore and 1.5% on all other purchases once your annual spending exceeds $6,500. The Discover Card, on the other hand, allows you to earn 5% rebates with their GET MORE partner merchants (which includes many well-known brands). This combination has more categories which you can earn 5% rebates.

Blue Cash with BP Rewards Visa® - You can also combine the Blue Cash with the BP Rewards Visa®. This is a good combination because the Chase BP Visa® Rewards Card is one of the very rare cards that allow you to earn 2% rebates on both travel and dining expenses. This who travel and eat out a lot might want to consider this combo.

Personal and Small business Credit card combination

If you own a small business, combining a business credit card and a personal credit card is a great way to chalk up your reward points. Here are some possible combinations.

Personal and Business Airline Card Combination

If you have a small business which requires travelling and you have a few employees, getting an business airline miles credit card makes sense even if you have a personal airline credit card. that is because you can issue employees with cards which help you earn more miles.

Gold Delta Skymiles credit card and Gold Delta Skymiles Business Card - You can combine the Gold Delta SkyMiles® Credit Card and the Gold Delta Skymiles Business Card to help you earn delta skymiles fast. Both cards allow you to earn double points on Delta Airlines and "everyday purchases". Both cards have no additional card fee. Give an personal card to your spouse, use both your personal and business card and earn Skymiles real fast.

Citi®Gold/ AAdvantage® Mastercard® and CitiBusiness AAdvantage - Small business owners who are frequent flyers of American Airlines should consider combining the Citi® Gold/AAdvantage® World MasterCard® and the CitiBusiness®/AAdvantage® MasterCard®.






United Airlines Mileage Plus Visa and United Mileage Plus Business Card - Frequentl flyers of United Airlines who are also small business owners can combine United's personal and business cards. Combining the United Mileage Plus® Signature Visa® Card and the United Mileage Plus® Platinum Business Card allows you to separate business expense, yet earn miles from your business travels in the same Mileage Plus account.

Personal and Business Reward Program Combination

Blue from American Express® and American Express® Platinum Business Card - Both the Blue from American Express® and the Platinum Business Credit Card from American Express® have the same underlying reward program, the Membership Rewards Option program. Both have no annual fee. If you have a Blue personal card, then you may want to get the Platinum Business Credit Card for your small business.You cann unlimited points with both cards and combine points under one account.

Citi Diamond Preferred Rewards Card with Citi Professional Card - If you have the Citi® Diamond Preferred® Rewards Card, then you should consider getting the Citi® Professional^SM Card. Both have the same reward program (ThankYou Redemptions Network) and you can combine points under the same account. For those who are not familiar with these cards, the Citi Diamond Preferred Rewards card is the only reward card that allows you to earn 5 points for every dollar you spend on purchases at supermarkets, gasoline stations and drugstores. The Citi Professional card is the only business reward card that lets you earn 3 points for every point you spend on various business related purchases.


Cardholders of the Citi PremierPass^SM Card can also get the CitiBusiness® PremierPass^SM Card. You can charge your business expenses to a seperate card but yet earn points under one account. To those who are not familiar with this card, it is the only card in the market that lets you earn points for both the dollars you spend on the cards as well as the miles you fly.