Why The Best Rewards Credit Card Is Usually Two Cards, Not One

Pointify is tracking this devaluation for the points-and-miles community.

Most people ask for the best rewards credit card, but the better answer is often a pairing: one card that earns the most in your biggest spending categories and another that earns more than 1x everywhere else. Signup bonuses and benefits matter, but ongoing spending should be judged separately, whether that means pairing Ink Business Preferred with no-fee Chase cards, Citi Strata Premier with Double Cash, or using Bilt Palladium as a powerful catch-all.