Wallet Optimizer
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Step 1: Your Annual Spending
Estimate how much you spend per year in these common categories.
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Quick fill with US averages:
Restaurants, takeout, delivery
$
Supermarkets, Costco, wholesale
$
Gas stations, EV charging
$
Flights, hotels, rideshare
$
Everything else
$
Need more detail? for 13 categories.
Tip: Categories are mutually exclusive. For example, if you enter spending for Amazon, do not include that same amount in Online Shopping. The same applies to Costco and Grocery.
Step 2: Your Credit Cards
Enter the rewards rates for each card you own.
Using issuer travel portals (1.25-1.5 cpp for Chase/Capital One). Good balance of value and simplicity. Learn more
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