How to use this
Use it before card shopping
This tool works best when you want to answer a strategy question first: do you need one easy card, or is the lift from multiple cards meaningful enough to justify the extra effort?
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Monthly spend mix
Enter average monthly spending by category.
Estimates update instantly as you change your spending mix.
Recommended setup
3-card setup
Layered setup for groceries, travel/dining/gas, and everyday fallback.
Estimated annual rewards
$839
Annual spending
$26,760
Lift vs 1-card setup
$304
Complexity note
Highest upside, but only if you will actively manage categories.
Scenario comparison
3-card setup
Layered setup for groceries, travel/dining/gas, and everyday fallback.
$839
2-card setup
Category pair for groceries and dining plus a 2% fallback card.
$751
1-card setup
Simple flat-rate setup for low-maintenance rewards.
$535
Next step