September 22, 2020|AMEX, Chase, Discover

If you can manage multiple credit cards (and pay them off in full each month), you can maximize your miles and points earning by charging different purchases on different cards based on their earning potential.   As bonuses change regularly, this guide is a snapshot as of today as to which card will earn you the most points.   I will update this as bonuses change.

Keep in mind, this is for miles and points earning purposes only.  It is not counting other benefits different cards may have like purchase or return protection.

These were determined based upon earning multipliers in each category time point valuations (based on The Points Guy valuations)

• Citi Premier                                     Supermarket   
• AMEX Bonvoy Brilliant                  Marriott, Gas   
• AMEX Platinums                             Air, Hotels   (booked through AMEX travel, if not – use Chase Freedom Unlimited)
• Amex Blue Business                       Everyday spend (up to $50,00 spend per year)
• Chase Sapphire Reserve               Instacart, Streaming   
• Chase Ink Business Preferred      Shipping, Internet Advertising   
• Chase Ink Business Plus Office    Supplies, Phone   
• Chase Freedom                             Amazon, Whole Foods  
• Chase Freedom Unlimited           Travel (booked through Ultimate Rewards), Drug Store, Everyday spend (once bonus of Amex Blue Business is exhausted)
• Citi Preferred                                  Entertainment   
• Citi Prestige                                    Dining   
• Discover                                          Paypal    

In order to keep track easily, attach a label or small post-it to each card.