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 732 cards’ published terms.
- Every figure from the issuer’s own terms
- Ranked on value alone, never on what pays us
- Nothing you enter is stored
For our typical spender: $2,500 a month · Good credit · any annual fee. Enter your own spending
Three cards earn $1,706 in the first year and $544 a year after that, $-81 a year more than the best single card.
- One card$925the first year$625a year afterThe best single card
- Two cards$1,314the first year$652a year after+$389 first year, +$27 after, for the extra card
- Three cardsMost over two years$1,706the first year$544a year after+$392 first year, −$108 after, for the extra card
Where your spending goes
Each category on the card that pays most for itGroceries$600 a monthSavor Rewards
Dining$300 a monthSusan G. Komen® Customized Cash Rewards Credit Card - Pink Ribbon Credit Card
Gas$200 a monthBank of America® Premium Rewards® Credit Card
Travel$150 a monthSusan G. Komen® Customized Cash Rewards Credit Card - Pink Ribbon Credit Card
Everything else$1,250 a monthBank of America® Premium Rewards® Credit Card
The three cards
Compare these 3 side by sideCardFirst yearA year after
Bank of America® Premium Rewards® Credit CardBank of Americapoints valued at 1¢, the program's cash rewards valueIssuer’s siteFirst year$766A year after$166after its $95 fee
Susan G. Komen® Customized Cash Rewards Credit Card - Pink Ribbon Credit CardBank of America6% the first year, then 3%: dining, drug stores and pharmacies, gas and EV charging stations, home improvement and furnishings, online shopping, including cable, internet, phone plans and streaming, travelIssuer’s siteFirst year$524A year after$162no annual fee
Savor RewardsCapital OneApplyPartner offer: we may be paid if you applyFirst year$416A year after$216no annual fee
Together: $1,706 the first year, $544 a year after
One card · $925 the first year, $625 a year after
Wealth Credit CardRegionsFirst year$925A year after$625after its $125 fee
Two cards · $1,314 the first year, $652 a year after
Wealth Credit CardRegionsFirst year$790A year after$490after its $125 fee
Susan G. Komen® Customized Cash Rewards Credit Card - Pink Ribbon Credit CardBank of AmericaFirst year$524A year after$162no annual fee
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