Best two-card credit card combo
Of every two-card set we can build from the cards we track, Citi Double Cash and Citi Strata Premier keep the most from a year of typical spending: $704 after fees, $85 more 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
Keeps $704 a year after fees
- Earns $799 a year on the spending below; fees come to $95.
- That's $85 more than the best single card, Robinhood Gold Card ($619).
- Citi Double Cash's points count at 1.4¢ because Citi Strata Premier can transfer them; on their own they'd cash out at 1¢.
Rates change, so verify them with the issuer before you apply.
The cards
-
Use for travel, drugstores and everything else
$274 a year
-
Use for groceries, dining and gas
$525 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 | Citi Strata Premier | $260 4.2% |
| Dining | $3,900 | Citi Strata Premier | $164 4.2% |
| Gas | $2,400 | Citi Strata Premier | $101 4.2% |
| Travel | $2,500 | Citi Double Cash | $70 2.8% |
| Drugstores | $700 | Citi Double Cash | $20 2.8% |
| Everything else | $6,600 | Citi Double Cash | $185 2.8% |
| Total | $22,300 | $799 |
Close behind
The next best sets on the same spending.
| Cards | After fees | Fees |
|---|---|---|
| Amex Blue Cash Preferred + Robinhood Gold Card | $704 | $145 |
| Citi Strata Premier + Robinhood Gold Card | $674 | $145 |
| Barclays Wyndham Earner Plus + Robinhood Gold Card | $650 | $145 |