Tell us how you spend, and we'll calculate exactly which credit card combination will earn you the most rewards every year — with full transparency on the math.

Enter what you actually spend in each category. We analyze every card to find the combination that earns you the most.
We show you every calculation — category by category, card by card — so you understand exactly why each card made the list.
Want one simple card or a maximally optimized wallet? Choose your complexity level and we'll build the right prescription for you.
Three steps to your optimal credit card strategy
Tell us how much you typically spend each month across categories like dining, travel, groceries, and more.
Choose how many cards you want to carry and whether you prefer cash back, travel credits, or transferable points.
We calculate your optimal card combination and show you exactly how much you can earn each year.
See how much more you could be earning from your everyday spending.
Get Started — It's Free