The mathematically optimal credit card setup
Stop guessing which cards to use where. Our solver evaluates every possible combination and proves the optimal one for your spending.
Most people leave $500–$2,000 per year on the table.
Credit card rewards are complex. Category multipliers, spending caps, overlapping benefits, and annual fee credits all interact. The right combination depends entirely on your spending profile.
Hidden fee traps
Premium cards often cost less than free cards after credits are factored in.
Category overlap
Multiple cards compete for the same categories. The best combo depends on your exact spend.
Tier caps & limits
Bonus rates cap out. We route overflow to the next-best card automatically.
Provably optimal
Not a heuristic. The solver proves no better setup exists. Zero guesswork.
How it works
Three steps to your optimal card setup. Takes under a minute.
Enter your spending
Tell us how much you spend monthly across 20 categories — dining, groceries, travel, and more.
We solve exactly
Our CP-SAT solver tests every combination of cards and spend routing to find the proven best.
Get your setup
See exactly which cards to use for what, how much you'll earn — with mathematical proof of optimality.
Free forever. Premium when you're ready.
The core optimizer is completely free. No trial, no credit card required.
Free
- Up to 3 cards optimized
- Full card database
- Proven optimal result
- Routing cheat sheet
- 3 saved scenarios
Premium
$9/mo or $79/yr (save 27%)- Up to 10 cards optimized
- Alternative setups (top-K)
- What-if sensitivity analysis
- Custom credit valuations
- Unlimited saved scenarios
Understanding effective annual fees
A card's sticker price isn't the real cost. Many premium cards offer credits (dining, travel, streaming) that offset the fee. The effective annual fee is what you actually pay after subtracting credits you'd genuinely use.
Key rule: Only count credits for things you'd buy anyway. A $200 airline credit is worth $0 if you never fly. Click any card below to calculate your personalized effective fee.
Advertiser Disclosure: Some links on this page are affiliate links. If you click and are approved for a card, we may receive compensation — at no additional cost to you. Our optimization results are determined solely by mathematical optimization and are never influenced by affiliate relationships. Full disclosure
Card Explorer
Click any card to see detailed credits, nuances, and calculate your effective annual fee.
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