Use the best card in your wallet, every time
Add your cards by name, pick what you're buying, and see the winner with the math behind it. No bank login, no card numbers.
Transparent assumptions. Editable point values. Your wallet stays in your browser.
This answers one purchase. Want your whole year?
The full optimizer takes your annual spending and tells you which cards to keep, which to add, and what your wallet is actually worth, fees included.
Optimize my whole walletHow the math works
Every recommendation is the same formula: purchase amount × earn rate × point value, minus foreign transaction fees if they apply. A $64 dinner on a 3x dining card with points worth 1.5¢ each is $2.88 back. A 2% cash card on the same dinner is $1.28. We show that work for every card you carry, flag spending caps, and warn you when a merchant probably won't code the way you expect.
Point values are yours to set. If you only redeem for cash, 1¢ is right. If you transfer to airline partners, your points may be worth 1.5–2¢. The winner can flip on that choice, which is exactly why we don't hide it.
Common questions
Which credit card should I use for groceries?
The card in your wallet with the highest grocery earn rate, valued in dollars: purchase amount times earn rate times point value, minus any fees. A 6% grocery card beats a 2% flat card at an actual supermarket, but watch the merchant: superstores and wholesale clubs usually don’t count as groceries. This tool runs that math for your specific cards.
Does Walmart count as a grocery store for credit card rewards?
Usually not. Walmart codes as a superstore at the card networks, so grocery bonus categories on most cards (including Amex Gold and Blue Cash) pay only the base rate there. Target and wholesale clubs like Costco and Sam’s Club work the same way.
How is the dollar value of points calculated?
Purchase amount × earn rate × point value. A $64 dinner on a 3x dining card with points worth 1.5 cents each earns $64 × 3 × 1.5¢ = $2.88. Point values depend on how you redeem, so this tool lets you edit the value per card instead of assuming a fixed number.
What is a category spending cap?
Many bonus rates only apply up to a spending limit, like 6% on groceries up to $6,000 per year, then 1% after that. Once you’ve hit a cap, a different card in your wallet usually wins, which is why this tool lets you mark a cap as already used.
Earn rates and merchant-coding behavior come from issuer terms and community-verified reporting; coding can vary by location and processor. Not financial advice.