If you can afford two high annual fees, consider getting the American Express® Gold Card and The Platinum Card® from American Express. For the dedicated traveler, they make a perfect pairing. You'll get all of the travel perks from the Platinum and big rewards rates on everyday spending categories with the Gold.

Owning both the American Express Gold and Platinum cards is a popular strategy for "points maximizers" because the cards serve very different purposes. The Gold Card is the daily workhorse, offering high multipliers on everyday spending, specifically 4x points at restaurants and U.S. supermarkets. The Platinum Card, however, is a lifestyle and travel tool; while it earns 5x points on flights, its primary value lies in its extensive perks like Global Lounge access, a $200 hotel credit, a $189 CLEAR Plus credit, and elite status with Marriott and Hilton. By holding both, you can "earn" on the Gold and "burn" or enjoy luxury perks on the Platinum. However, this strategy requires a high annual spend to justify the two significant annual fees. If your lifestyle involves frequent dining and at least three or four major trips a year where you can utilize the lounge access and various credits, the "Amex Trifecta" (often including a Blue Business Plus) is one of the most powerful reward combinations in the finance world.