Credit Card Rewards & Cashback Optimizer

Find which card — or combination of cards — pays you the most

This calculator takes your actual monthly spending across Groceries, Dining, Gas/Transit, Travel, and Other, plus the reward rates and annual fees for up to three credit cards you're considering, and computes the real net annual rewards each card would earn you. It then checks whether splitting your spend across multiple cards by category — using whichever card earns the most in each category — would out-earn any single card once all annual fees are accounted for, and tells you exactly which approach wins.

• →Computes real annual rewards from your actual category spending, not advertised headline rates
• →Subtracts each card's annual fee to show true net rewards
• →Detects when using two cards for different categories beats any single card
• →Ranks all entered cards from best to worst net annual value
• →Watermarked by Cikal Studio Labs · Works on any device, no install required