Describe the spending profile.
Use a template or adjust only the categories that matter. Rough monthly estimates are enough.
Dining$630
Groceries$520
Travel$360
Other$290
Portfolio optimization
The optimal card portfolio, calculated for your spending.
Model rewards, annual fees, credits, caps, and category overlap as one portfolio decision — not a sponsored card ranking.
Free to use. No account or bank connection required — the analysis runs on spending assumptions you type in. Card terms verified Jul 27, 2026.
Illustrative portfolio brief
Household profile · $1,800/mo · travel-points mode
Optimal
Estimated annual net value
$772.66 estimated annual net value
+$341 vs. a flat 2% card
Annual fees
$190
Cards selected
2
Spend routing
Reward rate
DiningBilt Obsidian3x
GroceriesAmex Blue Cash Preferred6% (to $6,000/yr)
TravelBilt Obsidian2x
Everything elseBilt Obsidian1x
This sample run was proven optimal — no better modeled setup exists for this spending0.00% gap
Run your own numbersDecision framework
A portfolio decision, not a card ranking.
The model evaluates the economics of the whole wallet. A card only stays if its incremental reward, credit value, and category coverage justify its fee and constraints.
Evaluate every constraint together.
Rates, annual caps, credits, fees, overlapping categories, and portfolio size are weighed together — then the result tells you whether optimality was proven or the time limit was reached first.
- Method
- CP-SAT optimization
- Objective
- Annual net value
- Result
- Proof status included
Put the recommendation to work.
See which cards to carry, exactly where to use them, and the reason each one earned a place.
DiningBilt Obsidian3x
GroceriesAmex Blue Cash Preferred6% (to $6,000/yr)
TravelBilt Obsidian2x
Independent analysis
Finance-grade rigor without handing over your financial life.
No bank credentials or card numbers. The analysis uses only the spending and valuation assumptions you choose to provide.
Read the methodologyConstraint model
Reward caps, credits, fees, category overlap, and portfolio size
Recommendation policy
Affiliate relationships never affect portfolio selection
Data provenance
Card terms checked against official issuer sources
Privacy posture
No account required for the free optimizer and no bank connection
Access
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Card research
Popular cards, reviewed on their economics.
Compare reward rules, credits, eligibility, and annual fees before they enter your portfolio.
- Chase$95/yr
Chase Sapphire Preferred
3.0x Dining · 3.0x Streaming · 3.0x Groceries - Online
Good credit recommendedReview - Amex$325/yr
Amex Gold
4.0x Dining · 3.0x Travel - Flights · 5.0x Travel Portal - Hotels
Good credit recommendedReview - Capital One$395/yr
Capital One Venture X
10.0x Travel Portal - Hotels · 5.0x Travel Portal - Flights · 5.0x Travel Portal - Other
Excellent credit recommendedReview - ChaseNo annual fee
Chase Freedom Unlimited
3.0x Dining · 3.0x Drugstores · 5.0x Travel Portal - Flights
Good credit recommendedReview - CitiNo annual fee
Citi Double Cash
5.0x Travel Portal - Hotels · 5.0x Travel Portal - Other · No annual fee
Good credit recommendedReview - Wells FargoNo annual fee
Wells Fargo Active Cash
2.0% on everything · No annual fee
Good credit recommendedReview
Ready to calculate
Build the portfolio around your spending — not someone else’s ranking.
Two minutes. No credentials or card numbers.