MaxCardPoints

Strategy

Wallet Style

Single Card One card that performs well across all your spending — simple to manage, great for most people.

Multi-Card Routes each spending category to the card with the highest bonus rate. Typically earns 20–40% more annually, but requires a little more wallet management.

Reward Preference

Cash Back Simpler and more flexible — every dollar comes back as real money. Best if you rarely travel or prefer straightforward rewards.

Travel Transferable points are typically worth 2–5x more for flights and hotels than cash back. Best if you travel even occasionally.

Card Usage

Personal Recommends consumer cards available to anyone. Best if you don't have a business.

Business Recommends small business cards, which often have higher earning rates. Even a side hustle or freelance work qualifies.

Spending
The more accurately you estimate your spending, the better your recommendations. Rough estimates are fine — you can always come back and refine them. We multiply monthly amounts by 12 for our calculations.

Yearly Monthly

Groceries

Supermarkets only — Kroger, Publix, Trader Joe's, Wegmans etc. Costco, Sam's Club, Target and Walmart go under Shopping below since they code differently for card rewards.

If you shop at Whole Foods or Amazon Fresh, tap the arrow to break it out separately — it codes as Amazon, not groceries, so some cards earn very differently there.

Whole Foods and Amazon Fresh code as Amazon purchases — not groceries — so some cards earn very differently there.

Whole Foods / Amazon Fresh

Groceries Total

Shopping

Enter your general shopping total here. If you spend heavily at a specific retailer like Amazon or Walmart, tap the arrow to break it down — co-branded cards earn bonus rates at their own stores and this helps us find them for you.

Break down by retailer for more accurate recommendations.

Shopping Total

Other

Digital Ad Spend

Supplies

Enter your general supplies total here. If you spend heavily at a specific supplier like Home Depot or Costco, tap the arrow to break it down — different suppliers earn different card bonuses and this helps us find the best match.

Break down by supplier for more accurate recommendations.

Supplies Total

Other

Monthly

Annual

Travel Preferences
Transferable points are typically worth 2–5x more than cash back when redeemed for flights and hotels — and the value jumps significantly for business and first class airline seats. If you travel even occasionally, optimizing for transferable points usually wins. Your preferences here help us match cards whose transfer partners, airline bonuses, hotel programs, and rental benefits best fit your travel style.

Preferred Airlines

Your preferred airlines determine which card transfer partners matter most to you. For example, if you fly Delta, both Chase Ultimate Rewards and Amex Membership Rewards transfer to Delta SkyMiles — knowing this helps us prioritize the card that earns you the most miles per dollar on your actual flights.

Preferred Cabin Class

Economy Lower point costs per flight — you can take more trips with the same points. Travel rewards and cash back cards are both competitive here.

Business / First Class Business and first class airline seats cost far more points per trip but deliver the highest value per point — often 5–10¢ vs 1–2¢ in economy. Cards with strong transfer partners to premium airline programs become significantly more valuable.

Lounge Access

Premium cards like Amex Platinum, Chase Sapphire Reserve, and Capital One Venture X include airport lounge access — a benefit worth $300–$500/yr for frequent travelers.

If lounge access matters to you, we'll factor it into your recommendations and weight cards that include it more heavily.

Preferred Hotel Programs

Credit cards earn points that transfer directly to hotel loyalty programs — often at a 1:1 ratio. For example, Chase Ultimate Rewards transfer to World of Hyatt, and Amex Membership Rewards transfer to Hilton Honors and Marriott Bonvoy.

We list hotels by loyalty program name rather than individual brand because that's how card transfer partners are structured — knowing your preferred programs helps us match you with the cards that earn the most value for where you actually stay.

Preferred Car Rental

Some premium cards bonus points at specific rental companies, and many include complimentary rental insurance — primary coverage on cards like Chase Sapphire Reserve, secondary on most others.

Knowing your preferred rental company helps us match cards that give you the most rewards and the best insurance coverage when you rent.

Cards I Own
Tell us which cards you already hold so we can show you the difference between what you're currently earning and what your optimal wallet would earn. This is optional — skip it to see recommendations without a comparison.

Optional — see how much more you could earn from the spending you already do.

Tap below to compute your personalized recommendations. Your spending profile and card inventory are sent to a secure server-side endpoint that runs the optimizer and returns the optimal lineup.

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Computing your optimal lineup…

Current Annual Value

You haven't added the cards you currently own, so we can't show what you're earning now. Add your cards to see exactly how much more you could be earning from the spending you already do.

From cards you already hold

Optimal Annual Value

Add your spending to see how much you could be earning with the right cards.

With recommended lineup

Annual Value Increase

Add your spending to see the gap between what you earn now and what the right card stack would earn.

Extra rewards per year

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Already sitting on a pile of points?

The Points Trip Planner is coming — search real award availability and find the best trip for your points. Tap to learn more.

Strategy

Spending The more accurately you estimate your spending, the better your recommendations. Rough estimates are fine — you can always come back and refine them. We multiply monthly amounts by 12 for our calculations.

Cards I Own Tell us which cards you already hold so we can show you the difference between what you're currently earning and what your optimal wallet would earn. This is optional — skip it to see recommendations without a comparison.

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Spending
The more accurately you estimate your spending, the better your recommendations. Rough estimates are fine — you can always come back and refine them. We multiply monthly amounts by 12 for our calculations.

Cards I Own
Tell us which cards you already hold so we can show you the difference between what you're currently earning and what your optimal wallet would earn. This is optional — skip it to see recommendations without a comparison.