Maximize your rewards: How to pick the best second credit card

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So you’ve decided it’s time for a second card. Maybe you have a primary credit card that offers few perks and no rewards. Or perhaps you’re looking for an additional card to complement the rewards you already earn.

But how do you decide which card to add to your wallet? It depends on your spending habits and what you want from a secondary card. Here’s how to pick the best second credit card for you.

How to choose a second credit card

Before deciding on your second credit card, consider the card you already own.

Review your current card's annual fee, interest rate, and rewards. This will help you understand your current card's strengths and limitations.

Look closely at your spending patterns and where you spend the most. Do you spend mostly on everyday bills like groceries or gas? Or do you prefer to order in or dine out at restaurants? Reviewing your spending will help you choose a card that aligns with your lifestyle and maximizes your rewards. For example, if you frequently travel, a card with travel rewards might be helpful.

If you spend mostly in one specific area, look for a card that offers the most rewards for that category. If your spending is spread out across different categories, you might do better with a flat-rate rewards card. These cards give you similar points, miles, or cash back on all your purchases.

Before you apply, assess how the new card will interact with your current one. For example, if you plan to keep your existing card and use the new one for specific purchases, make sure they complement each other. Here are some of the best credit card combinations out there.

The best second credit cards to add to your wallet

Once you’ve reviewed your spending habits and your current card, it’s time to pick your second card. Here are some of our picks:

Wells Fargo Autograph℠ Card: Best for commuters

With this card, you’ll earn 3% cash back at gas stations and electric vehicle charging stations. This makes it a solid option for those driving to and from work each day. If you currently don’t earn elevated rewards on commuting, now may be the time to start.

Capital One SavorOne Cash Rewards Credit Card: Best for foodies

The Capital One SavorOne Cash Rewards Credit Card is an excellent second card for those who enjoy dining out and entertainment. It offers elevated cash back on dining, entertainment, and grocery store purchases. Plus, the card has no annual fee, making it a cost-effective option for earning rewards in these categories.

You’ll earn 10% cash back on Uber and Uber Eats (through Nov. 14, 2024), 8% back on Capital One Entertainment purchases, 5% back on hotels and rental cars booked through Capital One Travel, and unlimited 3% back on dining, entertainment, streaming services, and grocery store purchases (excluding superstores). Earn 1% back on everything else.

Blue Cash Preferred® Card from American Express: Best for grocery shoppers

This card is a top choice if you spend heavily on groceries. You’ll earn a generous 6% back on U.S. supermarkets (up to $6,000 per year, then 1%). You’ll also earn 6% cash back on U.S. streaming services, 3% back at U.S. gas stations and transit, and 1% back on all other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.

Although it does have an annual fee, the rewards often outweigh the cost for those who frequently spend in these categories.

Wells Fargo Active Cash® Card: Best for variable spending

This is a great second card for those seeking simplicity and flexibility. You'll earn 2% cash rewards on purchases, making it easy to earn rewards without worrying about rotating categories. Plus, with no annual fee, this card is a solid option for those who want a hassle-free cash rewards experience.

Chase Sapphire Preferred® Card: Best for frequent travelers

The Chase Sapphire Preferred is an excellent second card for frequent travelers and those who value premium travel perks. It offers a generous sign-up bonus, elevated points on travel and dining, and added travel benefits.

You’ll earn 5X points on travel booked through Chase Ultimate Rewards, 3X points on dining (including eligible delivery services), 3X on select streaming, and 3X on online grocery purchases (excluding Walmart, Target, and wholesale clubs). You’ll also get 2X points on other travel purchases and 1X on all other purchases.

Bank of America® Customized Cash Rewards credit card: Best if you carry a balance each month

While you shouldn’t aim to carry a balance month to month, it’s a good idea to have a card with a generous intro 0% APR offer in case you do. The Customized Cash card has a lengthy intro APR period on purchases and balance transfers, making it a solid option if you need to consolidate debt or pay off your balance over time.

You also have the option to choose your own rewards category to earn cash back. Cardholders can select one category to earn 3% cash back, such as dining, online shopping, or travel, and 2% cash back at grocery stores and wholesale clubs. Remember there are spending caps on the 2% and 3% category purchases. You’ll earn 1% on all other purchases.

The bottom line

The key to choosing a second credit card is to find one that fills in the gaps left by your first card. If your first card is a basic card without a rewards program, consider a straightforward rewards card. If your first card already offers cash back or points, choose a second card that earns higher rewards on different spending categories.

No matter which card you choose, handle your new credit card responsibly: Don’t charge more than you can pay off in full each month.

Editorial disclaimer: Opinions expressed are author's alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.