Maximize Every Swipe
Our algorithm analyzes your spending habits and card benefits to recommend the best card for every purchase, ensuring you never miss out on rewards.
Actionable Insights
Go beyond simple numbers. Get clear, personalized recommendations and see your potential earnings, not just your past performance.
Secure & Private
We use bank-level security and never store your credit card numbers. Your privacy and security are our top priority.
Effortless Optimization in 3 Steps
1
Add Your Cards
Select cards from our database of 50+ popular cards. No card numbers needed.
2
Enter Your Spending
Tell us your estimated annual spending across key categories like dining and groceries.
3
Get Recommendations
Receive instant, clear advice on which card to use for which category to maximize your cash back or points.
Card-Specific Calculators
Deep-dive into the math for popular premium cards. See if the annual fee pays off for your spending.
Real Results from Real Wallets
See what our optimizer finds for typical credit card users.
Annual Rewards: Before vs After
+$1,290/year in found rewards
Same cards, same spending. Just smarter allocation.
$2,010
Annual rewards found
Example output: "Use Amex Gold for groceries ($720/yr), dining ($560/yr). Use Chase Amazon for Amazon purchases ($200/yr). Use CSR for travel bookings ($480/yr)."
$795
Saved in wasted fees
The optimizer flagged a premium card costing more in annual fees than it earned—recommending to downgrade or cancel.
Built by an engineer who spent too many hours in spreadsheets figuring out which card to use for groceries.
Success Stories
The Small Business Breakthrough
How a freelancer turned business expenses into \$890 in annual rewards
Read their story →The First Rewards Card
How a college grad turned \$24,000 in spending into \$280 with zero annual fees
Read their story →The Digital Nomad Discovery
How working remotely from abroad turned into \$1,100 in annual rewards
Read their story →Latest Strategy Guides
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Robinhood Platinum Card (2026): 5% Dining, 10% Hotels, Worth $695?
Robinhood Platinum Card charges $695/year and claims $1,750+ in credits. We break down the 5% dining rate, portal-only travel multipliers, and realistic credit capture rates.
Are You Ready for Credit Card Rewards? A Decision Framework Before You Optimize
Credit card rewards can be worth hundreds per year, but only if you meet these conditions first. Here's the math-first checklist before you start optimizing.
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Frequently Asked Questions
Do I need to link my bank account?
No. We never connect to your bank or access your accounts. You simply tell us which cards you have and your estimated spending.
Do you store my credit card numbers?
No. We only need to know which cards you own, not your card numbers. Your privacy is our priority.
How do you make money?
We may earn affiliate commissions when you apply for new cards through our links. However, our recommendations are 100% math-based, not influenced by commissions.
Does this work for cash back AND points cards?
Yes! Our optimizer works with all reward types including cash back, travel points, and airline miles. We normalize everything to dollar values.
What if my spending changes?
Re-run the optimizer anytime for free. Your wallet is saved so you can quickly update your spending and get fresh recommendations.
How accurate are the calculations?
Our math is transparent. We show you exactly how we calculate rewards for each category. You can even adjust point values to match your redemption preferences.
Ready to maximize your rewards?
Get your personalized strategy in under 2 minutes. No account required to start.