You diligently charge all of your groceries, gas, clothing, travel, and almost every other purchase on a particular credit card to rack up points for cash back or travel rewards. But it turns out that if you want to make the most of rewards programs, one card isn’t enough, according to our number crunchers, who reviewed more than 60 rewards cards and a variety of spending scenarios. Whether you’re a frugalista, serious spender, small-business owner, retirement saver, or part of a typical American family, dividing purchases between the right two cards can earn you hundreds of dollars more in annual rewards than using just one card.
For example, we found that a frequent flyer who charges $3,000 a month on two credit cards could earn about $2,420 worth of travel…