Credit Card Optimizer
Discover which credit cards are mathematically best for each spending category and for your combined spending. Our AI analyzes reward rates to find optimal single cards and multi-card strategies.
We only ask for spending estimates to calculate your best rewards. No names, addresses, or financial data needed.
How It Works
Enter Monthly Spending
Enter how much you spend each month in categories like dining, groceries, and travel. We'll show both monthly and annual totals to help you see the bigger picture.
Choose Reward Type
Select whether you prefer cashback (direct money back), points/miles (for travel), or let us find the best overall value by comparing both options.
Get Personalized Rankings
See exactly which cards earn you the most money for each category and overall. Get single-card recommendations plus multi-card strategies that optimize 2-3 cards for maximum rewards across all spending.
Category Analysis
Find the best card for each spending category
Multi-Card Strategies
Optimize 2-3 card combinations for maximum rewards
Mathematical Precision
Exact calculations for optimal reward maximization
Account Features
Track owned cards and get expanded recommendations
Example Annual Value:
$1,234.56
Based on optimized card selection