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Input monthly spend categories (Dining, Travel, Groceries); calculates the optimal 2–3 card combo to maximize cashback and airline miles.
Category routing algorithms, point curves, and multi-card synergizers
Calculates the mathematically optimal 2 to 3 card combinations (e.g. Chase Trifecta, Amex Duo) to maximize reward yield across all categories.
Route dining (4x), flights (5x), groceries (4x), and everyday purchases (2x) to the highest-yielding card in your customized wallet.
Factors in airline and hotel transfer partner valuations for Chase Ultimate Rewards, Amex Membership Rewards, and Capital One Miles.
Pairing a 4x dining/grocery card with a flat 2x catch-all base prevents leaving 50% of potential points on the table.
Transferring Chase or Amex points to Hyatt or international airlines regularly yields 1.8¢ to 2.5¢ per point.
Premium cards with high annual fees often yield negative net costs after accounting for dining, travel, and streaming statement credits.
Everything you need to know about Credit Card Optimization
The optimizer takes your monthly category spend (dining, airfare, groceries, gas, transit, general) and calculates point earnings across 25+ top credit cards, factoring in multiplier bonuses, point valuations (1.0¢ to 2.0¢), and annual fee credits to find the highest-yielding wallet.
The Chase Trifecta is a popular three-card strategy combining the Chase Sapphire Preferred (or Reserve) for 3x dining/travel and transfer partners, the Freedom Unlimited for 1.5x on everyday spend, and Freedom Flex (or Bilt) for rotating/rent multipliers.
Cashback offers a fixed 1.0¢ per dollar value. Flexible travel points (Chase UR, Amex MR, Capital One Miles) can be transferred 1:1 to airline and hotel loyalty programs (Hyatt, United, Air France Flying Blue), regularly yielding 1.8¢ to 2.5¢+ per point.
Deepen your financial optimization with verified SaaS, tax, and focus planners.
Accurately subtracts annual fees while offsetting travel credits, dining credits, and Uber cash to reveal your true net annual profit.
Yes, if your spending and travel habits naturally utilize the built-in statement credits (e.g. $300 travel credit on Venture X, $240 dining/Uber on Amex Gold), reducing the effective annual fee to under $0 while earning high 4x–5x reward multipliers.
The Citi Double Cash card (flat 2% cashback on everything) and the Bilt Mastercard (1x on rent without transaction fees + 3x dining) are premier zero-annual-fee options.
Yes! The Bilt Mastercard allows renters to pay monthly rent via ACH with zero credit card processing fees while earning 1x Bilt Points transferrable to Hyatt, United, and American Airlines.
Synergy Lift measures the exact additional net cash value you unlock per year by using an optimal 2–3 card combo instead of putting 100% of your expenses on a single card.
Opening cards causes a temporary 5-point dip from the hard inquiry. Over time, having multiple cards increases your total credit limit and lowers your credit utilization ratio, which boosts credit scores when paid in full monthly.
Yes! Click 'Export CSV' to download complete multi-card reward comparisons, category routing tables, and single card rankings, or click 'Snapshot' for chart graphics.
You can switch between US Dollar (USD), Euro (EUR), British Pound (GBP), Indian Rupee (INR), Canadian Dollar (CAD), Australian Dollar (AUD), Japanese Yen (JPY), UAE Dirham (AED), and Singapore Dollar (SGD).
The calculator focuses on sustainable, recurring annual spend rewards and fee offsets. Welcome bonuses (e.g. 60,000 to 100,000 points) provide a substantial one-time first-year bonus on top of these numbers.
No software installation is required. The credit card optimizer runs client-side in your web browser using HTML5 Canvas and TypeScript.