{"id":121569,"date":"2024-08-28T20:00:26","date_gmt":"2024-08-28T20:00:26","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/08\/28\/have-one-of-the-popular-credit-cards-here-are-the-others-you-should-get-to-boost-your-points-the-points-guy\/"},"modified":"2024-08-28T20:00:26","modified_gmt":"2024-08-28T20:00:26","slug":"have-one-of-the-popular-credit-cards-here-are-the-others-you-should-get-to-boost-your-points-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/08\/28\/have-one-of-the-popular-credit-cards-here-are-the-others-you-should-get-to-boost-your-points-the-points-guy\/","title":{"rendered":"Have one of the popular credit cards? Here are the others you should get to boost your points &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>When considering your next <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best\/\" rel=\"noopener\" target=\"_blank\">credit card<\/a>, it&#8217;s best to first look at your wallet and see if you can build a strategy around what you&#8217;ve already got. It&#8217;s beneficial to have many points with one credit card issuer, rather than a handful of points with each different bank.<\/p>\n<p>With that said, let&#8217;s review the best options for credit cards with <a href=\"https:\/\/thepointsguy.com\/guide\/a-guide-to-earning-transferable-points\/\" target=\"_blank\" rel=\"noopener\">transferable points<\/a> you can combine and how to strategize by carrying multiple cards in the same family.<\/p>\n<p><a id=\"why-you-should-get-multiple-cards-from-the-same-issuer\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Why you should get multiple cards from the same issuer<\/h2>\n<p>You can:<\/p>\n<p><a id=\"american-express\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">American Express<\/h2>\n<p>Known as the &#8220;<a href=\"https:\/\/thepointsguy.com\/credit-cards\/amex-trifecta\/\" target=\"_blank\" rel=\"noopener\">Amex Trifecta<\/a>,&#8221; the three cards below are essential for those who want to earn thousands of Membership Rewards points each year. While <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/best-amex-credit-card-combo-amex-gold-amex-business-platinum\/\" target=\"_blank\" rel=\"noopener\">they&#8217;re great stand-alone cards<\/a>, using them together is ideal because of their complementary rewards rates.<\/p>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"><strong>Card<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Welcome bonus<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Earning rates<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Annual fee<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td><span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-platinum-card-from-american-express\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The Platinum Card\u00ae from American Express<\/a><\/span><\/td>\n<td>Earn 80,000 bonus Membership Rewards points after you spend $8,000 on purchases within the first six months of card membership.<\/td>\n<td>5 points per dollar on flights purchased directly with the airline or with American Express Travel \u2014 up to $500,000 of these purchases per calendar year, then 1 point per dollar<\/p>\n<p>5 points per dollar on prepaid hotels booked on Amex Travel<\/p>\n<p>1 point per dollar on other eligible purchases<\/p>\n<\/td>\n<td>$695 (see <a href=\"https:\/\/thepointsguy.com\/apply\/the-platinum-card-from-american-express-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-american-express-gold-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">American Express\u00ae Gold Card<\/a><\/span><\/td>\n<td>Earn 60,000 bonus Membership Rewards points after you spend $6,000 on purchases on your new card in your first six months of card membership. Plus, receive 20% back in statement credits on eligible restaurant purchases (up to $100) within the first six months of card membership.<\/td>\n<td>4 points per dollar on dining at restaurants (on up to $50,000 in purchases per calendar year, then 1 point per dollar)<\/p>\n<p>4 points per dollar at U.S. supermarkets \u2014 on up to $25,000 of these purchases per calendar year (then 1 point per dollar)<\/p>\n<p>3 points per dollar on flights booked directly with the airline or with AmexTravel.com<\/p>\n<p>2 points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com<\/p>\n<p>1 point per dollar on other eligible purchases<\/p>\n<\/td>\n<td>$325 (see <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-gold-card-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/the-blue-business%e2%84%a0-plus-credit-card-from-american-express\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The Blue Business\u00ae Plus Credit Card from American Express<\/a><\/span><\/td>\n<td>Earn 15,000 Membership Rewards\u00ae points after you spend $3,000 in eligible purchases on the card within your first three months of card membership.<\/td>\n<td>2 points per dollar on the first $50,000 of purchases per calendar year (then 1 point per dollar)<\/p>\n<p>1 point per dollar on all other eligible purchases<\/p>\n<\/td>\n<td>$0 (see <a href=\"https:\/\/thepointsguy.com\/apply\/the-blue-business%e2%84%a0-plus-credit-card-from-american-express-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h3>Earn massive welcome bonuses<\/h3>\n<p><a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/amex-once-per-lifetime-restrictions\/\" target=\"_blank\" rel=\"noopener\">Amex has a once-per-lifetime rule<\/a> that restricts you from earning a welcome bonus more than once per card. You can open all three of these cards and earn the welcome bonus on each \u2014 so long as you haven&#8217;t held the card previously \u2014 and continue to add to your points balance, though <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express-bonus-lifetime-restrictions\/\" target=\"_blank\" rel=\"noopener\">Amex will most likely disqualify you<\/a> from getting a welcome offer on a lower-tier card if you&#8217;ve previously held a higher-tier card within the same card family.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Group-of-friends-online-shopping-with-credit-card-at-home_LeoPatrizi.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Group-of-friends-online-shopping-with-credit-card-at-home_LeoPatrizi.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Group-of-friends-online-shopping-with-credit-card-at-home_LeoPatrizi.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Group-of-friends-online-shopping-with-credit-card-at-home_LeoPatrizi.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Group-of-friends-online-shopping-with-credit-card-at-home_LeoPatrizi.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Group-of-friends-online-shopping-with-credit-card-at-home_LeoPatrizi.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Group-of-friends-online-shopping-with-credit-card-at-home_LeoPatrizi.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Group-of-friends-online-shopping-with-credit-card-at-home_LeoPatrizi.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Group-of-friends-online-shopping-with-credit-card-at-home_LeoPatrizi.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">LEOPATRIZI\/GETTY IMAGES<\/figcaption><\/figure>\n<h3>Earning rates across popular categories<\/h3>\n<p>Each card offers excellent earning rates that can combine to offer bonus points on virtually every purchase you&#8217;ll have in life. Here&#8217;s a cheat sheet of when to use each card:<\/p>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"><strong>Purchase<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Card to use<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td>Flights<\/td>\n<td>Amex Platinum for 5 points per dollar until you meet the $500,000 threshold per calendar year. From there, you can use the Amex Gold for 3 points per dollar. Flights must be purchased directly with the airline or through amextravel.com<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>Hotels<\/td>\n<td>Amex Platinum for 5 points per dollar if booking through Amex Travel<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>Dining at restaurants<\/td>\n<td>Amex Gold for 4 points per dollar (on up to $50,000 in purchases per calendar year, then 1 point per dollar)<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>U.S. supermarkets<\/td>\n<td>Amex Gold for 4 points per dollar up to the $25,000 threshold per calendar year at U.S. supermarkets (then 1 point per dollar). After that, use the Blue Business Plus up to the $50,000 threshold per calendar year for 2 points per dollar. For supermarkets outside the U.S., use the Amex Gold or Amex Platinum for 1 point per dollar with no foreign transaction fees (see <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-gold-card-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a> for Amex Gold and <a href=\"https:\/\/thepointsguy.com\/apply\/the-platinum-card-from-american-express-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a> for Amex Platinum)<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>All other purchases (gas, bills, etc.)<\/td>\n<td>Amex Blue Business Plus for 2 points per dollar up to the $50,000 threshold per calendar year (then 1 point per dollar)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ways-you-might-be-eligible-for-business-credit-card\/\" target=\"_blank\" rel=\"noopener\">5 ways you might be eligible for a business credit card without realizing it<\/a><\/strong><\/p>\n<p><a id=\"capital-one\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Capital One<\/h2>\n<p>Capital One is newer to the transferable points game, but there&#8217;s a lot to love about the program. In addition to cards that earn transferable <a href=\"https:\/\/thepointsguy.com\/loyalty-programs\/capital-one-miles\/\" rel=\"noopener\" target=\"_blank\">Capital One miles<\/a>, you can open back-back cards from the Savor and Quicksilver card families. While marketed as cash-back cards, you can <a href=\"https:\/\/thepointsguy.com\/news\/capital-one-convert-cash-back-miles\/\" rel=\"noopener\" target=\"_blank\">turn your cash back into Capital One miles<\/a>.<\/p>\n<div class=\"&#10;        EmailSignUp_container__qYzYT&#10;        undefined&#10;        EmailSignUp_isLoading__i_qm0&#10;      \"><picture class=\"EmailSignUp_graphic__zgpFm\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"><strong>Card<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Sign-up bonus\u00a0<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Earning rate<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Annual fee<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-venture\/\" target=\"_blank\" rel=\"noopener\">Capital One Venture Rewards Credit Card<\/a><\/td>\n<td>Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening, plus a $250 Capital One Travel credit to use in the first cardholder year.<\/td>\n<td>5 miles per dollar on hotels, vacation rentals and rental cars booked with Capital One Travel<\/p>\n<p>2 miles per dollar on all other purchases<\/p>\n<\/td>\n<td>$95<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-venture-x-rewards-credit-card\/\" target=\"_blank\" rel=\"noopener\">Capital One Venture X Rewards Credit Card<\/a><\/td>\n<td>Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.<\/td>\n<td>10 miles per dollar on hotels and car rentals booked via Capital One Travel<\/p>\n<p>5 miles per dollar on flights and vacation rentals booked via Capital One Travel<\/p>\n<p>2 miles per dollar on other purchases<\/p>\n<\/td>\n<td>$395<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-ventureone-rewards-credit-card\/\" target=\"_blank\" rel=\"noopener\">Capital One VentureOne Rewards Credit Card<\/a><\/td>\n<td>Earn 20,000 bonus miles once you spend $500 within the first three months from account opening.<\/td>\n<td>1.25 miles per dollar on all purchases<\/td>\n<td>$0<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/apply-now\/capital-one-savor-cash-rewards-credit-card\/?tid=post\" target=\"_blank\" rel=\"noopener\">Capital One Savor Cash Rewards Credit Card<\/a> (no longer available to new applicants)<\/td>\n<td>\u00a0N\/A<\/p>\n<p>\u00a0<\/p>\n<\/td>\n<td>8% cash back on Capital One Entertainment purchases<\/p>\n<p>4% back on dining, entertainment and eligible streaming services<\/p>\n<p>3% back at grocery stores<\/p>\n<p>1% back on all other purchases<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<\/td>\n<td>$95<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-savorone-cash-rewards\/\" target=\"_blank\" rel=\"noopener\">Capital One SavorOne Cash Rewards Credit Card<\/a><\/td>\n<td>Earn a one-time $200 cash bonus welcome bonus after spending $500 in purchases within the first three months of account opening.<\/td>\n<td>3% cash back on dining, entertainment, eligible streaming services and at grocery stores (excluding superstores like Walmart\u00ae and Target\u00ae)<\/p>\n<p>1% back on all other purchases<\/p>\n<\/td>\n<td>$0<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-quicksilver-cash-rewards\/\" target=\"_blank\" rel=\"noopener\">Capital One Quicksilver Cash Rewards Credit Card<\/a><\/td>\n<td>Earn a $200 cash bonus after spending $500 on purchases within three months of account opening.<\/td>\n<td>1.5% cash back on all purchases<\/td>\n<td>$0<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-quicksilverone-cash-rewards-credit-card\/\" target=\"_blank\" rel=\"noopener\">Capital One QuicksilverOne Cash Rewards Credit Card<\/a><\/td>\n<td>None<\/td>\n<td>1.5% cash back on all purchases<\/td>\n<td>$39<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><em>The information for the Capital One Savor has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<h3>Capital One application rules<\/h3>\n<p>Capital One only allows you to have two of its personal cards open at once, so be sure to choose wisely.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Close-up-of-woman-holding-credit-card-and-smart-phone-at-home_Jacob-Wackerhausen.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Close-up-of-woman-holding-credit-card-and-smart-phone-at-home_Jacob-Wackerhausen.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Close-up-of-woman-holding-credit-card-and-smart-phone-at-home_Jacob-Wackerhausen.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Close-up-of-woman-holding-credit-card-and-smart-phone-at-home_Jacob-Wackerhausen.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Close-up-of-woman-holding-credit-card-and-smart-phone-at-home_Jacob-Wackerhausen.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Close-up-of-woman-holding-credit-card-and-smart-phone-at-home_Jacob-Wackerhausen.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Close-up-of-woman-holding-credit-card-and-smart-phone-at-home_Jacob-Wackerhausen.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Close-up-of-woman-holding-credit-card-and-smart-phone-at-home_Jacob-Wackerhausen.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Close-up-of-woman-holding-credit-card-and-smart-phone-at-home_Jacob-Wackerhausen.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">JACOB WACKERHAUSEN\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Another rule prohibits you from applying for more than one new Capital One card every six months. It&#8217;s important to be mindful of these restrictions to maximize your approval odds and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/five-year-cards-strategy\/\" rel=\"noopener\" target=\"_blank\">long-term credit card strategy<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/redeeming-capital-one-miles-maximum-value\/\" rel=\"noopener\" target=\"_blank\">Tips and tricks to get maximum value from your Capital One miles<\/a><\/strong><\/p>\n<h3>Earning rates across popular categories<\/h3>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"><strong>Purchase<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Card to use<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td>Flights<\/td>\n<td>Venture X for 5 miles per dollar if booked through Capital One Travel; Venture Rewards or Venture X for 2 miles per dollar otherwise<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>Hotels<\/td>\n<td>Venture X for 10 miles per dollar if booked through Capital One Travel; Venture Rewards for 5 miles per dollar with Capital One Travel; Venture Rewards or Venture X for 2 miles per dollar otherwise<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>Dining at restaurants<\/td>\n<td>Savor Cash for 4% back<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>Supermarkets<\/td>\n<td>Savor or SavorOne for 3% back<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>All other purchases (gas, bills, etc.)<\/td>\n<td>Savor for 8% back on entertainment purchases and 4% back on streaming services; Venture Rewards or Venture X for 2 miles per dollar on other purchases<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><a id=\"chase\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Chase<\/h2>\n<p>The <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase-card-trifecta\/\" target=\"_blank\" rel=\"noopener\">Chase trifecta<\/a> is well-known across the points and miles community and is a powerhouse trio of cards.<\/p>\n<p>All of the no-annual-fee options listed below are <a href=\"https:\/\/thepointsguy.com\/credit-cards\/cash-back\/\" target=\"_blank\" rel=\"noopener\">cash-back cards<\/a>, but earn rewards in the form of Ultimate Rewards points. These points are worth only 1 cent each unless you also carry an &#8220;anchor card&#8221; that can potentially raise the value of these points.<\/p>\n<p>Your anchor card options are the <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-reserve%e2%84%a0\/?pid=221211836&amp;tid=post\" target=\"_blank\" rel=\"noopener\">Chase Sapphire Reserve\u00ae<\/a> ($550 annual fee), <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-preferred-card\/?pid=22125056&amp;tid=post\" target=\"_blank\" rel=\"noopener\">Chase Sapphire Preferred\u00ae Card<\/a> ($95 annual fee) or the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-preferred%e2%84%a0-credit-card\/?pid=221211974&amp;tid=post\" target=\"_blank\" rel=\"noopener\">Ink Business Preferred\u00ae Credit Card<\/a> ($95 annual fee).<\/p>\n<p>Where the real value of these Chase anchor cards comes into play is access to Chase&#8217;s <a href=\"https:\/\/thepointsguy.com\/guide\/chase-ultimate-rewards-transfer-partners\/\" rel=\"noopener\" target=\"_blank\">airline and hotel transfer partners<\/a> \u2014 and your points can be worth 2.05 cents each when redeemed this way, according to TPG&#8217;s August 2024 <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" target=\"_blank\" rel=\"noopener\">valuations<\/a>.<\/p>\n<p>Long story short, there&#8217;s lots of flexibility with the Chase trifecta, and you can mix and match the cards you want based on your preferences. Here are all of your options:<\/p>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"><strong>Card<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Sign-up bonus<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Earning rate<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Annual fee<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-reserve%e2%84%a0\/?pid=221211836&amp;tid=post\" target=\"_blank\" rel=\"noopener\">Chase Sapphire Reserve\u00ae<\/a><\/td>\n<td>Earn 60,000 bonus Ultimate Rewards points after spending $4,000 in the first three months of account opening.<\/td>\n<td>10 points per dollar on hotels and car rentals purchased through Chase Travel\u2120<\/p>\n<p>10 points per dollar on Chase Dining purchases<\/p>\n<p>10 points per dollar on Lyft rides (until March 2025)<\/p>\n<p>5 points per dollar on flights purchased through Chase Travel<\/p>\n<p>3 points per dollar on dining and travel purchases (excluding purchases covered by the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase-sapphire-reserve-annual-travel-credit\/\" target=\"_blank\" rel=\"noopener\">annual $300 travel credit<\/a>)<\/p>\n<p>1 point per dollar on all other eligible purchases<\/p>\n<\/td>\n<td>$550<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-preferred-card\/?pid=22125056&amp;tid=post\" target=\"_blank\" rel=\"noopener\">Chase Sapphire\u00a0Preferred\u00ae Card<\/a><\/td>\n<td>Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months of account opening.<\/td>\n<td>5 points per dollar on travel purchased through Chase Travel (excluding hotel purchases that qualify for the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase-sapphire-preferred-hotel-credit\/\" target=\"_blank\" rel=\"noopener\">$50 annual hotel credit<\/a>)<\/p>\n<p>5 points per dollar on Lyft rides (through March 2025)<\/p>\n<p>3 points per dollar on select streaming services, online grocery store purchases (excluding Target, Walmart and wholesale clubs) and dining<\/p>\n<p>2 points per dollar on all other travel purchases<\/p>\n<p>1 point per dollar on all other eligible purchases<\/p>\n<\/td>\n<td>$95<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-preferred%e2%84%a0-credit-card\/?pid=221211974&amp;tid=post\" target=\"_blank\" rel=\"noopener\">Ink Business Preferred\u00ae Credit Card<\/a><\/td>\n<td>Earn 120,000 bonus points after spending $8,000 on purchases in the first three months from account opening.<\/td>\n<td>3 points per dollar on the first $150,000 spent in combined purchases each account anniversary year in the following categories: shipping, internet, cable and phone services, advertising purchases with social media sites and search engines and on travel (then 1 point per dollar after passing this threshold)<\/p>\n<p>1 point per dollar on all other eligible purchases<\/p>\n<\/td>\n<td>$95<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-unlimited-credit-card\/?pid=6218&amp;tid=post\" target=\"_blank\" rel=\"noopener\">Ink Business Unlimited\u00ae Credit Card<\/a><\/td>\n<td>Earn $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening.<\/td>\n<td>1.5% cash back on all eligible purchases<\/td>\n<td>$0<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-cash%e2%84%a0-credit-card\/?pid=22125825&amp;tid=post\" target=\"_blank\" rel=\"noopener\">Ink Business Cash\u00ae Credit Card<\/a><\/td>\n<td>Earn up to $750: $350 bonus cash back after you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months from account opening.<\/td>\n<td>5% cash back on the first $25,000 spent in combined purchases each account anniversary year from the following categories: office supply stores, internet, cable and phone services (then 1% back after passing this threshold)<\/p>\n<p>2% back on the first $25,000 spent in combined purchases each account anniversary year from the following categories: gas and restaurants (then 1% back after passing this threshold)<\/p>\n<p>1% back on all other eligible purchases<\/p>\n<\/td>\n<td>$0<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-freedom-unlimited%e2%84%a0\/?pid=221211281&amp;tid=post\" target=\"_blank\" rel=\"noopener\">Chase Freedom Unlimited\u00ae<\/a><\/td>\n<td>Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year), worth up to $300 cash back.<\/td>\n<td>5% cash back on travel purchased through the Chase Travel portal<\/p>\n<p>3% back on drugstore purchases and dining at restaurants (including takeout and eligible delivery services)<\/p>\n<p>1.5% on all other purchases<\/p>\n<\/td>\n<td>$0<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-freedom-flex\/?pid=7538&amp;tid=post\" target=\"_blank\" rel=\"noopener\">Chase Freedom Flex\u00ae<\/a><\/td>\n<td>Earn $200 cash back after you spend $500 on purchases in the first three months from account opening.<\/p>\n<p>\u00a0<\/p>\n<\/td>\n<td>5% cash back on up to $1,500 in combined purchases in <a href=\"https:\/\/thepointsguy.com\/news\/activate-chase-freedom-5x-earnings\/\" target=\"_blank\" rel=\"noopener\">rotating bonus categories each quarter<\/a> (activation required)<\/p>\n<p>5% back on travel purchased through the Chase Travel portal<\/p>\n<p>3% back on dining and drugstore purchases<\/p>\n<p>1% back on all other purchases<\/p>\n<\/td>\n<td>$0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h3>Earn big welcome bonuses<\/h3>\n<p><a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-guide-chase-5-24-rule\/\" target=\"_blank\" rel=\"noopener\">Chase&#8217;s 5\/24 rule<\/a> is among the most restrictive of any issuer. You likely aren&#8217;t eligible for any Chase card (or its sign-up bonus) if you&#8217;ve opened five or more credit cards from any and all issuers in the past 24 months. The 5\/24 rule incentivizes applicants to start within Chase cards first. We strongly recommend building your <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase-card-trifecta\/\" rel=\"noopener\" target=\"_blank\">trifecta of Chase cards<\/a> \u2014 not only to supercharge your earnings but because you may become ineligible if you open other cards first.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Young-woman-paying-with-contactless-credit-card-payment-with-friends_-filadendron.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Young-woman-paying-with-contactless-credit-card-payment-with-friends_-filadendron.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Young-woman-paying-with-contactless-credit-card-payment-with-friends_-filadendron.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Young-woman-paying-with-contactless-credit-card-payment-with-friends_-filadendron.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Young-woman-paying-with-contactless-credit-card-payment-with-friends_-filadendron.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Young-woman-paying-with-contactless-credit-card-payment-with-friends_-filadendron.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Young-woman-paying-with-contactless-credit-card-payment-with-friends_-filadendron.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Young-woman-paying-with-contactless-credit-card-payment-with-friends_-filadendron.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Young-woman-paying-with-contactless-credit-card-payment-with-friends_-filadendron.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">FILADENDRON\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Finally, it&#8217;s worth noting that you can only carry one of the Sapphire cards at a time. So, if you don&#8217;t have either already, now&#8217;s the time to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase-sapphire-preferred-vs-chase-sapphire-reserve\/\" target=\"_blank\" rel=\"noopener\">decide between the premium Sapphire Reserve or the wallet-friendly Sapphire Preferred<\/a>.<\/p>\n<h3>Chase trifecta combinations<\/h3>\n<p>While there are traditionally three cards in the Chase trifecta, you could theoretically open more than just three Chase cards down the road for more sign-up bonuses and access to even more bonus categories. Here are some of the ways you can mix and match the Chase trifecta to fit your needs:<\/p>\n<ul>\n<li>Chase Sapphire Reserve (or Chase Sapphire Preferred)<\/li>\n<li>Ink Business Preferred (and\/or Ink Business Unlimited\/Ink Business Cash)<\/li>\n<li>Chase Freedom Unlimited (and\/or Chase Freedom Flex)<\/li>\n<\/ul>\n<p>No matter which combination you choose, be sure to hold one flat-rate earning card (Ink Business Unlimited or Chase Freedom Unlimited) that will allow you to earn 1.5% back on all non-bonus purchases.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase\/\" target=\"_blank\" rel=\"noopener\">The best Chase credit cards<\/a><\/strong><\/p>\n<h3>Earning rates across popular categories<\/h3>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"><strong>Purchase<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Card to use<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td>Flights<\/td>\n<td>Sapphire Reserve or Sapphire Preferred for 5 points per dollar through the Chase Travel portal; if booking directly with an airline, use the Ink Business Preferred or Sapphire Reserve for 3 points per dollar<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>Hotels<\/td>\n<td>Sapphire Reserve for 10 points per dollar through the Chase Travel portal; the Sapphire Preferred has a $50 annual hotel credit that you can use, while the Sapphire Reserve and Ink Business Preferred can provide 3 points per dollar if booking directly<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>Dining at restaurants<\/td>\n<td>Sapphire Reserve for 10 points per dollar via Chase Dining; 3 points per dollar otherwise with the Sapphire Reserve and Sapphire Preferred, or 3% back with the Freedom Unlimited and Freedom Flex<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>Supermarkets<\/td>\n<td>Freedom Flex for 5% back if grocery stores (excluding Walmart and Target) is one of the current bonus categories; Sapphire Preferred for 3 points per dollar on grocery delivery orders; Freedom Unlimited for 1.5% back otherwise<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>All other purchases (gas, bills, etc.)<\/td>\n<td>Chase Sapphire Preferred for 3 points per dollar on streaming; Ink Business Cash for 5% back on internet and phone services; Ink Business Cash for 2% back on gas<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p>It&#8217;s also worth discussing some limitations of Chase&#8217;s newest small-business credit card. The <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-premier-credit-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Ink Business Premier Credit Card<\/a><\/span> earns 2.5% back on purchases of $5,000 or more and unlimited 2% back on all other purchases. Unfortunately, these earnings cannot be combined with Ultimate Rewards as we&#8217;re used to with other Chase credit cards. Thus, we haven&#8217;t included this card in the chart above due to the limitations on redemptions.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/transfer-ultimate-rewards-points-between-accounts\/\" rel=\"noopener\" target=\"_blank\">How (and why) to combine your Chase Ultimate Rewards points into a single account<\/a><\/strong><\/p>\n<p><a id=\"citi\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Citi<\/h2>\n<p>Citi presents some interesting options that are worthy of consideration.<\/p>\n<p>Unfortunately, there&#8217;s only one card you can apply for right now that earns transferable <a href=\"https:\/\/thepointsguy.com\/points-program\/citi-thankyou\/\" rel=\"noopener\" target=\"_blank\">ThankYou points<\/a> that you can use with all of <a href=\"https:\/\/thepointsguy.com\/guide\/citi-transfer-partners\/\" rel=\"noopener\" target=\"_blank\">Citi&#8217;s transfer partners<\/a>: the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-strata-premier-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Citi Strata Premier\u2120 Card<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/apply\/citi-strata-premier-card-rates-and-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>). That&#8217;s because the premium <a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-prestige-card\/?tid=post\" rel=\"noopener\" target=\"_blank\">Citi Prestige\u00ae Card<\/a> is no longer open to new applicants, and the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-double-cash-card-18-month-bt-offer\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Citi Double Cash\u00ae Card<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/apply\/citi-double-cash-card-rates-and-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>) only provides transfers to a few programs \u2014 unless you hold the Premier or Prestige card.<\/p>\n<p><em>The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<p>If you&#8217;ve already got either the Strata Premier or Prestige, you could add one of the cash-back cards in Citi&#8217;s lineup to maximize your earnings with more bonus categories. It&#8217;s also worth holding the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-rewards-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Citi Rewards+\u00ae Card<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/apply\/citi-rewards-card-rates-and-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>) due to its roundup feature and the ability to get back 10% of your redeemed points each year, up to 100,000 points redeemed annually. What&#8217;s interesting is that this redemption benefit applies to points redeemed from your other Citi cards as long as you have the cards linked to your ThankYou points account.<\/p>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"><strong>Card<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Sign-up bonus<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Earning rate<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Annual fee<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td><span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-strata-premier-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Citi Strata Premier\u2120 Card <\/a><\/span>(see <a href=\"https:\/\/thepointsguy.com\/apply\/citi-strata-premier-card-rates-and-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<td>Earn 70,000 Citi ThankYou points after spending $4,000 in the first three months of account opening.<\/td>\n<td>3 points per dollar at restaurants, supermarkets, gas stations and EV charging stations, air travel and hotels<\/p>\n<p>1 point per dollar on other eligible purchases<\/p>\n<\/td>\n<td>$95<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-prestige-card\/?tid=post\" target=\"_blank\" rel=\"noopener\">Citi Prestige\u00ae Card<\/a> (no longer open to new applicants)<\/td>\n<td>None<\/td>\n<td>5 points per dollar at restaurants, airlines and travel agencies<\/p>\n<p>3 points per dollar at hotels and cruise lines<\/p>\n<p>1 point per dollar on other purchases<\/p>\n<\/td>\n<td>$495<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-double-cash-card-18-month-bt-offer\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Citi Double Cash\u00ae Card<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/apply\/citi-double-cash-card-rates-and-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a><span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-double-cash-card-18-month-bt-offer\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">)<\/a><\/span><\/td>\n<td>Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening.<\/td>\n<td>2 points per dollar on all purchases: 1 point per dollar when you buy and 1 point per dollar when you pay your credit card bill<\/td>\n<td>$0<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-custom-cash-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Citi Custom Cash\u00ae Card<\/a><\/span>\u00a0(see <a href=\"https:\/\/thepointsguy.com\/apply\/citi-custom-cash-card-rates-and-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<td>Earn a $200 cash bonus after you spend $1,500 on purchases in the first six months from account opening. This bonus offer will be fulfilled as 20,000 Points, which can be redeemed for $200 cash back.<\/td>\n<td>5% on your top eligible spend category up to $500 spent each billing cycle (then 1% back). Categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment<\/p>\n<p>1% on all other eligible purchases<\/p>\n<p>An additional 4% cash back on hotels, car rentals, and attractions booked on the Citi Travel\u2120 portal through June 30, 2025<\/p>\n<\/td>\n<td>$0<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/citi-rewards-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Citi Rewards+\u00ae Card<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/apply\/citi-rewards-card-rates-and-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<td>Earn 20,000 bonus points after you spend $1,500 in purchases with your card within three months of account opening.<\/td>\n<td>Earn 5 points per dollar on hotels, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through December 31, 2025<\/p>\n<p>2 points per dollar at supermarkets and gas stations \u2014 up to $6,000 of these purchases annually, then 1 point per dollar<\/p>\n<p>1 point per dollar on other purchases<\/p>\n<p>Round up to the nearest 10 points on each purchase, e.g. a purchase of $0.89 would earn 10 points, while a purchase of $24 would earn 30 points<\/p>\n<\/td>\n<td>$0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h3>Welcome bonus restrictions<\/h3>\n<p>On top of being sensitive to the number of recent <a href=\"https:\/\/thepointsguy.com\/credit-cards\/hard-pull-vs-soft-pull-credit-report\/\" rel=\"noopener\" target=\"_blank\">inquiries on your credit report<\/a>, Citi has strict rules about how often you can be approved for a credit card and other rules on how often you can earn a sign-up bonus.<\/p>\n<p>You can apply for just one credit card every eight days and no more than two Citi cards within 65 days. You&#8217;re limited to just one business card from Citi every 90 days.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Two-young-people-taking-break-from-walking-around-city-using-smart-phone-and-holding-credit-card_-Milko.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Two-young-people-taking-break-from-walking-around-city-using-smart-phone-and-holding-credit-card_-Milko.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Two-young-people-taking-break-from-walking-around-city-using-smart-phone-and-holding-credit-card_-Milko.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Two-young-people-taking-break-from-walking-around-city-using-smart-phone-and-holding-credit-card_-Milko.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Two-young-people-taking-break-from-walking-around-city-using-smart-phone-and-holding-credit-card_-Milko.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Two-young-people-taking-break-from-walking-around-city-using-smart-phone-and-holding-credit-card_-Milko.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Two-young-people-taking-break-from-walking-around-city-using-smart-phone-and-holding-credit-card_-Milko.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Two-young-people-taking-break-from-walking-around-city-using-smart-phone-and-holding-credit-card_-Milko.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/11\/Two-young-people-taking-break-from-walking-around-city-using-smart-phone-and-holding-credit-card_-Milko.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">MILKO\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Those rules are easy to understand; the 24-month rule is more complex. You must wait 24 months from the date you opened or closed a ThankYou points credit card before earning a bonus on another card. Here are example terms taken from the application page for the Citi Strata Premier:<\/p>\n<blockquote><p><em>&#8220;Bonus ThankYou\u00ae Points are not available if you have received a new account bonus for a Citi Premier\u00ae or a Citi Strata PremierSM account in the past 48 months.&#8221;<\/em><\/p><\/blockquote>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/citi\/\" target=\"_blank\" rel=\"noopener\">The best Citi credit cards<\/a><\/strong><\/p>\n<h3>Earning rates across popular categories<\/h3>\n<p>It&#8217;s worth pointing out that the Rewards+ card may be the best credit card for small purchases, given its &#8220;roundup&#8221; feature.<\/p>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"><strong>Purchase<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Card to use<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td>Flights<\/td>\n<td>Citi Prestige for 5 points per dollar or Citi Strata Premier for 3 points per dollar<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>Hotels<\/td>\n<td>Citi Prestige or Citi Strata Premier for 3 points per dollar<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>Dining at restaurants<\/td>\n<td>Citi Prestige for 5 points per dollar or Citi Strata\u00a0Premier for 3 points per dollar<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>Supermarkets<\/td>\n<td>Citi Strata\u00a0Premier for 3 points per dollar<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>All other purchases (gas, bills, etc.)<\/td>\n<td>Citi Strata\u00a0Premier for 3 points per dollar at gas stations; Citi Custom Cash for 5% back if that&#8217;s your top spending category during that billing cycle; Citi Double cash for 2 points per dollar on all purchases; Rewards+ card if it&#8217;s a small purchase and will be rounded up to the nearest 10 points<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>When you hold one card that earns transferable points, it&#8217;s likely that you can add another card from the same issuer to beef up your earnings in additional spending categories. It&#8217;s as easy as using a two- or three-card strategy and pooling your rewards into one account. In this way, you&#8217;ll earn extra points or cash back on hundreds or thousands of transactions each year, leading to big rewards.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/news\/earn-points-miles-strategy\/\" rel=\"noopener\" target=\"_blank\">6 easy strategies I use to earn over 500,000 points and miles a year<\/a><\/strong><\/p>\n<p><em>For rates and fees of the Amex Platinum Card, click <a href=\"https:\/\/thepointsguy.com\/apply\/the-platinum-card-from-american-express-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/em><br \/><em>For rates and fees of the Amex Gold Card, click <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-gold-card-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/em><br \/><em>For rates and fees of the Amex Blue Business Plus, click <a href=\"https:\/\/thepointsguy.com\/apply\/the-blue-business%e2%84%a0-plus-credit-card-from-american-express-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/guide\/best-credit-cards-points-you-can-combine\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When considering your next credit card, it&#8217;s best to first look at your wallet and see if you can build a strategy around what you&#8217;ve already got. It&#8217;s beneficial to have many points with one credit card issuer, rather than a handful of points with each different bank. With that said, let&#8217;s review the best [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":121570,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-121569","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/121569","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=121569"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/121569\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/121570"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=121569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=121569"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=121569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}