Find Your Mathematically Optimal
Card Setup
Stop guessing which credit cards to use. Our solver evaluates every possible combination and proves the optimal one for your spending.
Why Use an Optimizer?
Most people leave $500–$2,000/year on the table. Here's why.
Hidden Fee Traps
Premium cards seem expensive, but credits often make them cheaper than no-fee cards.
Category Overlap
Many cards compete for the same categories. The best combo depends on your exact spend.
Tier Caps & Limits
Bonus rates cap out. We model overflows and route spend to the next-best card automatically.
Provably Optimal
Not a heuristic — our solver proves no other setup can beat yours. 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 Optimal 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
- 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.
Card Explorer
Click any card to see detailed credits, nuances, and calculate your effective annual fee.
Ready to Maximize Your Rewards?
It takes under a minute. No sign-up required for the free tier.
Optimize My Cards