With Option Base 1, arrCardsCategories goes from 1 - 4
Without Option Base 1 (the default), arrCardsCategories goes from 0 - 3
1. I always like to use LBound and UBound
2. You can start the array bounds anywhere -- e.g. I've used Dim Ary(23 to 48) as String when I needed to process rows 23 through 48, just kept things neater (IMVHO)
Not sure why you need a 2-dim array anywhere
Option Explicit
Sub phh()
Dim arrCardsCategories As Variant, arrCardsValues As Variant, arrCardsTotal() As String
Dim i As Long, j As Long, k As Long
arrCardsCategories = Array("Hearts", "Tiles", "Pikes", "Clovers") ' 0 - 3
arrCardsValues = Array("1", "2", "3", "4", "5", "6", "7", "8", "9", "10", "11", "12", "13") ' 0 - 12
ReDim arrCardsTotal(0 To (UBound(arrCardsCategories) + 1) * (UBound(arrCardsValues) + 1) - 1) ' 0 - 51
k = 0
For i = LBound(arrCardsCategories) To UBound(arrCardsCategories)
For j = LBound(arrCardsValues) To UBound(arrCardsValues)
arrCardsTotal(k) = arrCardsCategories(i) & arrCardsValues(j)
k = k + 1
Next j
Next i
End Sub
Edit -- added a link that you might find useful
https://bytecomb.com/arrays-in-vba-p...ignment-rules/