Card optimizer
Find your best card setup.
Rough monthly amounts are fine — no account or bank login needed.
Step 1 of 2
Spending step
Enter at least some monthly spending
How the optimizer works
What you enter
Rough monthly spending by category, the cards you already carry, and whether you redeem for travel or cash back. There is no bank login and no account is needed to run it.
What it models
Each card's category earn rates, spending caps, annual fee, statement credits (valued conservatively unless you change them), and foreign transaction fees, using issuer terms we re-verify and date on every card page.
What you get
The set of up to 2 cards (10 with Premium) with the highest modeled yearly value for your spending, which card to use where, and whether the solver proved the answer best for those inputs.
Results are modeled estimates for the numbers you enter, not financial advice, and issuers change terms often, so confirm with the issuer before you apply. See the methodology, browse the card catalog or cards by category, or compare two cards head to head.