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Credit Card Rewards Optimizer

Maximize your credit card rewards with personalized recommendations based on your spending.

Monthly Spending by Category

Groceries

Gas & Fuel

Dining & Restaurants

Travel & Hotels

Entertainment

Shopping & Retail

Utilities & Bills

Other Purchases

Optimization Settings

Time Horizon

Include annual fees in calculation

Include signup bonuses

Best Card for Your Spending

Blue Cash Preferred

Top recommendation

$1,093

Total value over 12 months

Excellent

Reward optimization

Monthly Spending

$3,000

Total monthly spending

$36,000/year

Spending Breakdown

Card Recommendations

Detailed Comparison

Blue Cash Preferred

Rewards: $888Bonus: $300

$1,093

Net value

Chase Sapphire Preferred

Rewards: $444Bonus: $600

$949

Net value

Citi Double Cash

Rewards: $720Bonus: $200

$920

Net value

Capital One Savor

Rewards: $672Bonus: $300

$877

Net value

Discover it Cash Back

Rewards: $840

$840

Net value

Chase Freedom Unlimited

Rewards: $540Bonus: $200

$740

Net value

Reward Optimization Tips

Track Your Spending

Monitor your actual spending patterns quarterly. Your categories may change, requiring different cards for optimal rewards.

Maximize Signup Bonuses

Plan large purchases around new card applications to easily meet minimum spending requirements for signup bonuses.

Consider Multiple Cards

Use different cards for different categories to maximize rewards. Just ensure you can manage multiple payments responsibly.

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