|Card Name||Why I Like These Cards Together|
|Chase Sapphire Preferred® Card|
Ink Business Preferred℠ Credit Card
|Earn my favorite flexible points
Get access to bonus spending categories like travel, dining, cable and internet, and more!
|The Platinum Card® from American Express|
The Business Platinum® Card from American Express OPEN
|Earn flexible AMEX Membership Rewards points which you can redeem for gift cards or transfer directly to travel partners like Delta and Hilton
Get $400 worth of statement credits for airline incidental fees such as baggage fees
|Capital One® Venture® Rewards Credit Card|
Capital One® Spark® Miles for Business
|Very simple rewards system, which makes it easy to earn and redeem miles|
Smartly pairing a personal and small business card can help you earn bonus rewards in multiple spending categories. This can mean extra cash back or miles & points to use for free travel!
I’ve asked Million Mile Secrets team member Keith to share his take on the competition among these excellent personal and small business card combos:
Keith: Thanks, Daraius!
Besides getting access to lots of bonus spending categories, signing-up for certain personal and small business card combos means you can earn multiple sign-up bonuses! And that’s the quickest way to put extra cash in your pocket or earn Big Travel with Small Money!
Keeping a personal card AND business card in your wallet also makes it simpler to organize your expenses! It’s easy for me to track expenses for my side eBay reselling business by making purchases with a business card.
And don’t forget you might qualify for a small business card without realizing it! As long as you earn income for performing a service or selling goods, you could have a small business. Plus, you do NOT need to have a formal business to apply. I’ve had lots of card approval success by just entering my Social Security Number on business card applications.
Ranking the Best Personal and Business Credit Card Combos
1. Chase Sapphire Preferred and Chase Ink Business Preferred
Link: Chase Sapphire Preferred
Points with these cards are valuable because you can redeem them for:
- Cash back (1 cent per point)
- Airfare, hotels, and car rentals with no blackout dates through the Chase travel portal (1.25 cents per point) – prices on the portal are usually the same as booking directly
- Award flights and hotel stays by transferring points directly to travel partners like Hyatt and United Airlines – you’ll usually get the most value from your points this way
And with both cards, you’ll get access to multiple bonus spending categories.
With the Ink Business Preferred, you’ll earn:
- 3X Chase Ultimate Rewards points for every $1 you spend on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines (up to a maximum of $150,000 in combined purchases per account anniversary year)
While you’ll earn 2X points for every $1 you spend on travel and dining with the Sapphire Preferred.
And you can do very well earning the lucrative sign-up bonus available on both cards.
With the Sapphire Preferred, you’ll earn 50,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first 3 months of opening your account.
And with the the Ink Business Preferred, you’ll earn 80,000 Chase Ultimate Rewards points after spending $5,000 on purchases in the first 3 months of opening your account.
So in total, you can earn 130,000 Chase Ultimate Rewards points. That’s worth $1,300 in cash back or $1,625 worth of flights through the Chase Travel Portal. Or you can get even more value by transferring points to book travel!
Having multiple redemption options for your points and lucrative sign-up bonuses makes this 2 card combo the 1st place winner!
If you’re new to the miles & points hobby, this is the best card combo to consider getting first. Because Chase has strict application rules, which makes it difficult to get most of their cards if you sign-up for lots of other cards from other banks.
2. AMEX Platinum and AMEX Business Platinum
The ongoing statement credits, valuable sign-up bonuses, and transferable points make this a terrific card combo.
- $200 in statement credits per calendar year for airline incidentals with your selected airline (luggage fees, in-flight food & drink, etc.)
So with both cards, you’ll get $400 worth of credits.
And AMEX Platinum cardholders get access to airport lounges (Delta, Priority Pass, Airspace, and American Express Centurion Lounges).
There are unique perks with each version of the card, which can help boost your points balance.
But AMEX Business Platinum cardholders get these exclusive benefits:
- Earn 1.5X AMEX Membership Rewards points on single purchases of $5,000+
- Get 35% of your points back for ALL First Class or Business Class flights booked through the AMEX travel portal using Pay With Points
- Get 35% of your points back for all flights, including coach tickets, booked with your selected airline through the AMEX travel portal using Pay With Points
So you can earn more points faster with the personal version. Then, get a better redemption rate as a business cardholder.
American Express Membership Rewards points are valuable because you can transfer them to 20 airline and hotel partners. But I don’t recommend cashing them in for statement credits or merchandise, because you’ll get less than 1 cent per point that way.
One drawback of this combo is the significant minimum spending requirement for the AMEX Business Platinum card.
You’ll earn 50,000 AMEX Membership Rewards points after you spend $10,000 in the first 3 months of account opening. And an extra 25,000 AMEX Membership Rewards points after you spend an additional $10,000 on qualifying purchases within the same timeframe.
Also, the restrictive $200 in Uber credits per year with the personal AMEX Platinum makes this benefit less useful. And if you don’t use all of the benefits, it’s harder to justify paying the card’s $550 annual fee.
3. Capital One Venture and Capital One Spark Miles
This is an excellent card combo if you’re looking for a simple rewards program. You don’t have to worry about bonus spending categories, blackout dates, or transfer partners.
If you apply for both of these cards, you can get $900 worth of travel. This can offset essentially any travel purchase, like airfare, Airbnb stays, seat upgrades, baggage fees, and much more!
With the Capital One Spark Miles, you’ll earn 50,000 Spark miles (worth $500 in travel) after spending $4,500 on purchases within the first 3 months.
And with the Capital One Venture card, you’ll earn 50,000 Venture miles (worth $500 in travel) after spending $3,000 on purchases within the first 3 months.
When I started in the miles & points hobby, my first card was the Capital One Venture card. After, I learned how much more travel I could get with Chase cards. But it was still a great starting point!
To increase the ranking of this card combo, Capital One might consider:
- Offering a travel credit to offset the cards’ annual fees
- Adding transfer partners to increase the flexibility of the miles
Chase has the best personal and small business card combo with the Ink Business Preferred and Chase Sapphire Preferred. With both cards, you can earn huge and valuable sign-up bonuses! Plus, you can redeem the points you earn with these cards for cash back or for Big Travel!
Other great card combos include:
Capital One has an extremely straightforward rewards program. Lots of folks like to earn Capital One miles because you can use them to cover the cost of many types of travel purchases, like rideshare fares and Airbnb stays.
I’d love to hear your opinions on the best card combo!