Cashback Multi-Card Optimizer
Best card per category — auto-routed
📚 Learn more — how it works, FAQ & guide Click to expand
Learn more — how it works, FAQ & guide
Click to expand
Cashback multi-card optimizer
How to use this tool
- 1
Enter monthly spend / category
- 2
See best card combo
- 3
Subtract annual fees
Frequently Asked Questions
Why multi-card?
No single card maxes every category. Optimal: 3-card combo (e.g. Amex Gold dining, CSP travel, Citi Double 2% everything else) often nets 4-5% effective vs 1.5-2% single card.
Watch out for?
Annual fees. Premium cards ($550-695/yr) only worth it if you maximize travel credits + lounges. Otherwise stick with no-fee 2% flat.
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100% Privacy. This tool runs entirely in your browser. Your data is never uploaded to any server.