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Credit card optimizer

Which cards pay you most for how you spend?

Enter what you spend in a month. We work out the one, two or three cards that earn most on it after their fees, with each category on the card that pays most for it, from 651 cards’ published terms.

  • Every figure from the bank’s or issuer’s own terms
  • Ranked on value alone, never on what pays us
  • Nothing you enter is stored

Start from: Typical householdFrequent flyerOnline shopperCommuter

Total $2,500 a month, $30,000 a year

What you spend a month
More categories airfare, hotels, online shopping, streaming, drugstores, transit

Everything else 50%Groceries 24%Dining 12%Gas 8%Travel 6%

Your credit
Annual fees, all cards together

Your spending stays in this page’s address; we don’t keep it.

For our typical spender: $2,500 a month · Good credit · any annual feeEnter your own spending

Two cards earn $1,362 in the first year and $562 a year after that, $180 a year more than the best single card.

  1. One card$982the first year$382a year afterthe best single card
  2. Two cardsMost over two years$1,362the first year$562a year after+$380 first year, +$180 after, for the extra card
  3. Three cards$937the first year$637a year after−$425 first year, +$75 after, for the extra card

One card · $982 the first year, $382 a year after

  • Bank of America® Premium Rewards® Credit Card

    Bank of America

    groceriesdininggastraveleverything else

    points valued at 1¢, the program's cash rewards value

    First year
    $982
    A year after
    $382 after its $95 fee
    Issuer’s site

Two cardsMost over two years · $1,362 the first year, $562 a year after

Compare these 2 side by side

Three cards · $937 the first year, $637 a year after

Compare these 3 side by side

Estimates from each card’s published terms, for the spending above; not advice. Rewards are cash, or points at the value their issuer or program states. A welcome bonus counts when the spending a card gets meets its requirement. “Most over two years” is the set with the most value over the first two years, the measure our methodology ranks cards on; whether a link pays us never enters into it. How we value cards