Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Amex Trifecta: the optimal combination of American Express cards

Maximize rewards on everyday purchases with three cards.

Updated . What changed?

Fact checked

Our pick for an Amex trifecta card: American Express® Gold Card

American Express® Gold Card logo

35,000-point

Welcome offer after spending $4,000 in first 3 months

  • Points on flights, dining and groceries
  • Annual dining and flight credits
  • Access hotel collections, Personalized Travel Service and more
Apply now
See rates & fees

Each American Express card comes with its own perks and benefits. If you combine some of them, you can easily offset the annual fees, earn maximum rewards and enjoy additional benefits. But don’t apply for all cards at once. This could cause Amex to reject your application and it could hurt your credit score.

What’s the Amex trifecta?

The Amex trifecta is a combination of three American Express cards with membership rewards. Each card complements each other, allowing you to earn the highest rewards on your purchases. The cards that make the Amex trifecta are:

  • The Platinum Card® from American Express
  • American Express® Gold Card
  • The Blue Business® Plus Credit Card from American Express

Amex trifecta overview

The Platinum Card® from American ExpressAmerican Express® Gold CardThe Blue Business® Plus Credit Card from American Express
Reward points
  • 5x points on flights booked directly with airlines or with Amex Travel
  • 5x points on prepaid hotels booked on Amex Travel
  • 1x points on all other purchases
  • 4x points at restaurants worldwide
  • 4x points at US supermarkets on up to $25,000 annually, 1x points after that
  • 3x points on flights booked directly with airlines or with Amex Travel
  • 2x points on all purchases on on up to $50,000 annually
  • 1x points after reaching the cap
Welcome offer
  • Earn 60,000 bonus points once you spend $5,000 in your first 3 months of card membership
  • Earn 35,000 bonus points once you spend $4,000 in your first 3 months of card membership
Earn up to $300 in statement credit — $100 each at Dell Technologies, DocuSign or FedEx after you make a purchase in the first 3 months of card membership.
Credits
  • $200 airline fee credit
  • Up to $100 fee credit for TSA PreCheck or Global Entry
  • $120 dining credit
  • $100 airline fee credit
N/A
Other perks
  • $200 in Uber cash each year
  • Benefits valued at $550 with Fine Hotels and Resorts
  • Access to the Global Lounge Collection
  • $100 credit for the Hotel Collection
  • 12 months of 0% intro APR period on purchases, variable APR of 13.24% – 19.24% thereafter
Annual fee$550 (see rates & fees)$250 (see rates & fees)$0 (see rates & fees)

Who can get the American Express business card?

Anyone who owns an LLC business, or who is a sole proprietor, can apply for the Amex business credit card. If you think this doesn’t apply to you, think again — almost anyone can qualify as a sole proprietor, including freelancers, IT consultants and Amazon sellers. When you fill out the application, you can:

  • Use your personal name as your business name
  • Use your personal address and phone number as your business address and phone number
  • Select other in the industry type field if you can’t find your business in the list
  • Select sole proprietorship as your business structure if that’s what your business is
  • Be honest about how long your company has been active
  • Select one employee if you don’t have others
  • Use your Social Security number for your federal tax ID

How much can you earn with Amex trifecta?

The Platinum Card® from American ExpressAmerican Express® Gold CardThe Blue Business® Plus Credit Card from American ExpressPoints earned
Flights$2,000$0$010,000
Hotels$2,000$0$010,000
Dining$0$5,000$020,000
US supermarkets$0$8,000$032,000
Gas$0$0$4,0008,000
Other$0$0$5,00010,000
Total$4,000$13,000$9,00090,000

With annual spending similar to our example, you would earn 90,000 points each year, not counting the welcome offers for the first year. This is a value of up to $900, which is enough to pay the annual fee for both the American Express® Gold Card and The Platinum Card® from American Express and get $100 on top.

If you use the fee credits and the cards’ benefits, you’ll get an additional value of more than $1,300.

Compare Amex trifecta credit cards

Name Product Filter values Rewards Purchase APR Annual fee
American Express® Gold Card
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $350 with this upper-mid tier travel card. Rates & fees
The Platinum Card® from American Express
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
$550
One of the most valuable premium travel cards, featuring a welcome offer worth up to $1,200, multiple travel credits and unrivaled lounge access. Rates & fees
The Blue Business® Plus Credit Card from American Express
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
loading

Compare up to 4 providers

How to maximize Amex trifecta

To make the most of your Amex trifecta cards, here’s what you need to do:

  • Use the right card for the right purchases. Each card earns accelerated points on select categories. Make sure to:
    • Use The Platinum Card® from American Express for hotel and airline purchases.
    • Use the American Express® Gold Card at US supermarkets and restaurants worldwide.
    • Use The Blue Business® Plus Credit Card from American Express on all other purchases.
  • Earn the welcome offer. All three cards come with generous welcome offers. If you clear it, you can earn rewards points worth more than $1,400.
  • Use the fee credits. You get a total of $800 credits to use at hotels, airlines, dining and Uber rides, plus benefits worth $550. Make sure you use them to offset the annual fee.
  • Use the intro APR period. The Blue Business® Plus Credit Card from American Express is the only credit card with a 0% intro APR period on purchases. If you’re looking to make a large purchase and pay it off for up to a year without interest, use this card.

Bottom line

Combining the three American Express cards: The Platinum Card® from American Express, American Express® Gold Card and The Blue Business® Plus Credit Card from American Express can be an excellent strategy to maximize your rewards, especially if you spend money on airfare, hotels, dining worldwide and at US supermarkets. Plus, you get other generous perks that can make this card combination even more valuable.

However, if you think this card combination won’t work for you, compare other credit cards and make your own trifecta.

Frequently asked questions

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site