Enter your monthly spending by category. The tool compares your total annual cashback at 1%, at the best no-fee stack, and at the best fee-including stack (with annual fees subtracted). All math runs in your browser. Terms and bonuses change constantly, use this for comparison only.
Full strategy: /credit-card-strategy/
Rates used: 2% flat baseline, 6% grocery up to $500/mo, 3% dining, 4% gas, 5% Amazon/online, 3x travel (worth ~4.5% transferred). Card terms change frequently, verify current offers before applying.
Reminder: none of this math works if you carry a balance. 22% APR interest cancels every reward immediately. Pay in full every month, or get to zero first.
Not financial advice. Card rates and bonuses change. Verify current offers before applying.