No cards selected yet — add the ones you carry below.
Save your strategy. Build your wallet below, then export a cheat sheet. It groups your best cards by category so you never have to guess which one to use at checkout again.
Tap to calculate the true holding cost of your premium cards
Toggle the statement credits you organically use to see how much your premium cards actually cost you each year.
Slide your estimated monthly spend in each category — see your spending mix, and how much you'd earn under three scenarios.
Total monthly cash back under each approach to using your cards.
Tap to find the missing piece in your wallet strategy
Based on your spending simulator inputs, these cards would add the most incremental cash back or travel value to your current lineup.
Tap a category to see every card ranked, highest value first.
Sometimes the card with the lower rate is the right one to reach for — because of what happens after you pay.
Cards that earn transferable points/miles are ranked by fair transfer value.
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