The Faceoff: 3 Best Personal and Small Business Card Combos

The Faceoff: 3 Best Personal and Small Business Card Combos

Million Mile SecretsThe Faceoff: 3 Best Personal and Small Business Card CombosMillion Mile Secrets Team

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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!

Credit Card Comparison 2017
Having the Right Personal and Business Credit Card Combination Can Earn You Rewards Faster, so You Can Visit Wonderful Destinations Like Cape Town!

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 Ink Business Preferred

Link:   My Review of the Chase Ink Business Preferred

Link:   Chase Sapphire Preferred

Link:   My Review of the Chase Sapphire Preferred

You can earn extremely flexible Chase Ultimate Rewards points with the Ink Business Preferred and Sapphire Preferred cards.

Points with these cards are valuable because you can redeem them for:

Credit Card Comparison 2017
My Wife and I Recently Used Points From the Ink Business Preferred Card to Save Money on a Magnificent Stay at the Park Hyatt Sydney

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!

Credit Card Comparison 2017
You Can Deposit $1,300 Into Your Piggy Bank by Redeeming the Ink Business Preferred and Sapphire Preferred Sign-Up Bonus Points for Cash Back!

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

Link:   The Business Platinum® Card from American Express OPEN

Link:   My Review of the American Express Business Platinum Card

Link:   My Review of the AMEX Platinum

The ongoing statement credits, valuable sign-up bonuses, and transferable points make this a terrific card combo.

The personal and small business version of the AMEX Platinum each come with:

  • $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).

Credit Card Comparison 2017
Do You Enjoy Relaxing in Airport Lounges? AMEX Platinum Cardholders Get Access to Centurion Lounges, Which Offer Buffet Meals and Craft Cocktails

There are unique perks with each version of the card, which can help boost your points balance.

With the AMEX Platinum card, you earn 5X AMEX Membership Rewards points for booking flights and hotels through AMEX Travel.  This is not a benefit on the business version of the card.

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.

Credit Card Comparison 2017
AMEX Business Platinum Cardholders Can Redeem Points for Comfortable JetBlue Mint Business Class Seats and Get a 35% Rebate!

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

Link:   My Review of the Capital One Spark Miles Card

Link:   My Review of the Capital One Venture Card


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!

Credit Card Comparison 2017
You Can Redeem Capital One Miles for Unique Travel Experiences, Like an Airbnb Stay in a Log Cabin

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 

Bottom Line

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!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Disclaimer: Neither the editorial content nor the comments on this site are provided by the companies whose products are featured. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser.

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Why isn’t the new BOA Visa card on this post? If you have a BOA acct, the bonus points are great. I’d like to see the comparison bc the sign up bonus is 50,000 after 3k spent.

Million Mile Secrets

There isn't a great Bank of America business card that pairs with the Bank of America Premium Rewards Credit Card to make it a top combo. That doesn't make it a bad offer though. I wrote more about the card here:

Just checking.

I have both Chase sapphire preferred and reserve, and I love the refer credit. Should I keep both or if I have to keep 1, which card do you recommend to keep.?

Thank you so much. Love your blog.


Million Mile Secrets

Thanks for sharing your appreciation for the blog! You can avoid duplicate perks and save on annual fees by downgrading one of the cards. I like the Sapphire Reserve because of the $300 annual travel credit. But here's a post comparing the benefits of each card, which might help you decide:

Is it posible to get Ink business preferred card if i already have old Ink bold business card? I do not want to give it up because of its 5x bonus categories.
Thank you in advance.

Yes, I recently got the new Inc card after having the old one for years.

Thank you Jonathan

Million Mile Secrets

Yes! The 2 cards are considered different card products, so you can still apply and earn the sign-up bonus on the Ink Business Preferred.

Thank you

IMHO, the best combos are CSP-CSR-Chase Ink, CSR-CSP and Chase Unlimited, CSR-CSP and Freedom.

Citi Premier-Prestige and Double Cash

Million Mile Secrets

That sounds like a wallet full of miles & points earning potential! Thanks for sharing!