Wallet Optimizer
Step 1: Your Annual Spending
Estimate how much you spend per year in these common categories.
Quick fill with US averages:
Restaurants, takeout, delivery
Supermarkets, Costco, wholesale
Gas stations, EV charging
Flights, hotels, rideshare
Everything else
Need more detail? for 14 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. Enter Home Utilities for electric, gas, water, sewer, and trash only, not Internet, Cell Phone, or Streaming.
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
No cards added
Get started by searching for a card in our database.
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