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Faceoff: The 3 best personal and small business card combos

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Faceoff: The 3 best personal and small business card combos

Meghan HunterFaceoff: The 3 best personal and small business card combosMillion Mile Secrets Team

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Signing up for certain personal and small business card combos means you can earn multiple welcome bonuses — which is the quickest way to put extra cash in your pocket or fulfill your wildest travel dreams. Plus, smartly pairing the right cards can help you earn bonus rewards in multiple spending categories, which can mean extra cash back or miles and points to use for free travel.

Keeping a personal card and business card in your wallet also makes it simpler to organize your expenses. Remember, you might be eligible for a small business card without realizing it. You just need a for-profit venture to qualify yourself as a small business. You can even apply as a sole proprietor by using your social security number on the application.

Best credit card combos

Credit card comboWhy these cards go well together
Chase Sapphire Preferred® Card


and


Ink Business Preferred℠ Credit Card
Both cards earn our favorite flexible points.

Get access to bonus spending categories like travel, dining, cable and internet, and more!
The Platinum Card® from American Express


and


The Blue Business® Plus Credit Card from American Express
Rack up flexible AMEX Membership Rewards points which you can redeem for gift cards or transfer directly to travel partners like Delta and Hilton.

Earn up to $200 worth of statement credits for airline incidental fees such as baggage fees with the Amex Platinum. Terms apply.
Capital One® Venture® Rewards Credit Card


and


Capital One® Spark® Miles for Business
Very simple rewards system, which makes it easy to earn and redeem miles.
Family in airport. Attractive young woman, handsome man and their cute little daughter are ready for traveling! Happy family concept.
Having the right personal and business credit card combination can earn you rewards faster, so you can travel with your loved ones more frequently. (Photo by Vasyl Dolmatov/Shutterstock)

Chase Sapphire Preferred / Chase Ink Business Preferred

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

If you’re new to the miles and points hobby, this is the best card combo to consider getting first, because Chase has strict application rules which make it difficult to get most of their cards if you have applied for lots of other cards from other banks.

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

Prices on Chase’s travel portal are usually the same as booking directly, but you’ll likely get the most value from your points by transferring them to travel partners.

With both cards, you’ll also get access to multiple bonus categories.

You can transfer Chase Ultimate Rewards points earned from the Ink Business Preferred to Hyatt for a Stay at the Magnificent Park Hyatt Sydney. (Photo by cornfield/Shuttersotck)

With the Ink Business Preferred, you’ll earn:

  • 3 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)

And with the Sapphire Preferred you’ll get:

  • 2 points for every $1 you spend on travel and dining

That’s in addition to the the lucrative welcome bonus available on both cards.

With the the Ink Business Preferred, you’ll earn:

  • 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first three months of opening your account.

And with the Sapphire Preferred, you’ll earn:

  •  60,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first three months of opening your account.

So with this card combo, you can earn a total of 140,000 Chase Ultimate Rewards points after meeting minimum spending requirements. That’s worth $1,400 in cash back or $1,750 worth of flights, hotels and more through the Chase Travel Portal. Get even more value by transferring points to partners to book travel.

Check out our review of the Chase Sapphire Preferred here and a rundown of the Ink Business Preferred here.

The many options for using your points and lucrative welcome bonuses makes this two-card combo the first-place winner.

You can deposit $1,400 into your piggy bank by redeeming Ink Business Preferred and Sapphire Preferred welcome bonus points for cash back. That’s an easy win. (Photo by Licvin/Shutterstock)

Amex Platinum / Amex Blue Business

Having both the personal Amex Platinum card and the no-annual-fee Amex Blue Business Plus card (see rates and fees) can be a powerful combo for many reasons, the most important of which is that you can potentially rack up lots of Amex Membership Rewards points.

With the Amex Platinum Card, you can earn 60,000 Amex Membership Rewards points after spending $5,000 on purchases within the first three months of opening your account. Plus, you get valuable benefits including:

  • Up to $200 in statement credits per calendar year for airline incidentals with your selected airline (luggage fees, in-flight food and drink, etc.)
  • Up to $200 in Uber credit per year (but there are restrictions)
  • Access to airport lounges (Delta, Escape, Priority Pass, Airspace, Centurion, and American Express International Lounges)
  • Terms apply

There are also unique perks with each card which can help boost your points balance.

The Amex Platinum card earns 5X Amex Membership Rewards points for booking flights and hotels through Amex Travel, while with the Amex Blue Business Plus card, you’ll earn 2 Amex Membership Rewards points per $1 spent on all purchases, on up to $50,000 spent each calendar year (then 1X thereafter).  It doesn’t get much simpler than that, and those points can really add up.

American Express Membership Rewards points are valuable because you can transfer them to 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.

The downside of this combo is that you’ll have to spend $50,000 in order to get the most bonus Amex Membership Rewards points with the Amex Blue Business Plus card. The restrictions on the up to $200 in Uber credits per year with the personal Amex Platinum also make this benefit less useful, and harder to justify paying the card’s $550 annual fee (see rates and fees).

Here’s are our reviews for both the Amex Platinum and Amex Blue Business Plus cards.

You could use 10,000 Amex Membership Rewards Points to get a free one-way coach flight on Delta between Miami and Toronto. (Photo by Diego Grandi/Shutterstock)

Capital One Venture / 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 $1,000 worth of travel after meeting minimum spending requirements. This can offset essentially any travel purchase, like airfare, Airbnb stays, seat upgrades, baggage fees and much more.

With the Capital One Spark Miles for Business card, for a limited time you’ll earn up to 200,000 bonus miles worth up to $2,000 to spend on travel. Earn 50,000 bonus miles when you spend $5,000 in the first three months and earn 150,000 bonus miles when you spend $50,000 in the first six months of your account opening.

With the Capital One Venture card, you’ll earn 50,000 Venture miles (worth $500 in travel) after you spend $3,000 on purchases within the first three months.

You’re now able to transfer your Capital One miles to airline partners, so your miles are even more flexible.

Read our review of the Capital One Spark Miles Card and our review of the Capital One Venture Card.

Bottom line

The best credit card combos include:

Chase wins the top spot for the best credit card combo with the Ink Business Preferred and Sapphire Preferred. With both cards, you can earn huge (and valuable) welcome bonuses. Plus, you can redeem the points you earn with these cards for cash back or for free travel. It’s our No. 1 combo for folks new to miles and points.

If you’re looking for the most straightforward rewards program, consider the combo from Capital One. If you spend a lot and can make the most of perks like lounge access and Uber credits, the card combo from American Express could be your best option.

We’d love to hear your opinions on the best credit card combo.

For rates and fees of the Blue Business Plus Card, please click here.
For rates and fees of the Amex Platinum Card, please click here.

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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IMO the better Chase combo would be the CSP & Ink Business Cash.

With the current combo you have double the annual fee ($95 x 2) and overlap on the travel spend at 3X/2X.

The Ink Cash gives you 5X at office supply stores and on internet, cable and phone services vs. 3X with the Ink Prefered. Also you get Gas at 2X with the Ink Cash all with $0 AF.

You lose a bit (30K UR points) on the sign-up bonus but the required spend is also 25% less.

This is my current combo and looking to add the Freedom Unlimited (or the Business version) to the mix later this year to really cover all my bases.