Amex Blue Cash Preferred + Citi Double Cash
Used together, each card where it earns the most, these keep $615 a year after fees on typical spending: $4 less than the best single card, Robinhood Gold Card.
- Updated October 16, 2026
- $22,300 a year of spending
- Rankings are never paid for
The combo
Keeps $615 a year after fees
- Earns $710 a year on the spending below; fees come to $95.
- That's $4 less than the best single card, Robinhood Gold Card ($619).
Rates change, so verify them with the issuer before you apply.
The cards
-
Use for groceries and gas
American Express Blue Cash Preferred
$432 a year
-
Use for dining, travel, drugstores and everything else
$278 a year
Which card to use
A year of spending, each purchase on the card that earns the most on it. When a bonus runs out at its cap, the rest goes on the next best card.
| Category | Spend a year | Use | Earns |
|---|---|---|---|
| Groceries | $6,200 | Amex Blue Cash Preferred on $6,000 Citi Double Cash on $200 | $364 5.87% |
| Dining | $3,900 | Citi Double Cash | $78 2% |
| Gas | $2,400 | Amex Blue Cash Preferred | $72 3% |
| Travel | $2,500 | Citi Double Cash | $50 2% |
| Drugstores | $700 | Citi Double Cash | $14 2% |
| Everything else | $6,600 | Citi Double Cash | $132 2% |
| Total | $22,300 | $710 |