Known as the Amex Trifecta
Amex Platinum + Amex Gold + Amex Blue Business Plus
Used together, each card where it earns the most, these lose $248 a year once fees count on typical spending: $867 less than the best single card, Robinhood Gold Card.
- Updated October 17, 2026
- $22,300 a year of spending
- Rankings are never paid for
The combo
Loses $248 a year once fees count
- Earns $972 a year on the spending below; fees come to $1,220.
- That's $867 less than the best single card, Robinhood Gold Card ($619).
- Card credits and perks such as lounge access aren't counted. For many people they're what makes a premium card's fee worth paying.
- Amex Blue Business Plus is a business card.
Rates change, so verify them with the issuer before you apply.
The cards
-
Not used on this spending
American Express Platinum Card
$0 a year
-
Use for groceries and dining
$606 a year
-
Use for gas, travel, drugstores and everything else
American Express Blue Business Plus
$366 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 Gold | $372 6% |
| Dining | $3,900 | Amex Gold | $234 6% |
| Gas | $2,400 | Amex Blue Business Plus | $72 3% |
| Travel | $2,500 | Amex Blue Business Plus | $75 3% |
| Drugstores | $700 | Amex Blue Business Plus | $21 3% |
| Everything else | $6,600 | Amex Blue Business Plus | $198 3% |
| Total | $22,300 | $972 |