Ideally, the combination method in the SetGame class...
public List<List<Card>> combinations(List<Card> cards, List<List<Card>> combos)
would be replaced with a generic recursive method...
public List<List<Card>> combinations(List<Card> cards, List<List<Card>> combos, Integer comboSize, Integer index)
where recursive calls could act on any size list of cards M for any combination size N where M > N