◎ What should you add to your wallet?
Generated August 13, 2026 · the arithmetic runs in your browser · nothing you type here is stored or sent anywhere
Tell us roughly what you spend. We route every dollar across the cards you already hold — caps, category picks and this quarter's rotating categories included — and then check whether any card in our database would beat that by enough to be worth its annual fee. Very often, nothing does.
1 · Your wallet
2 · Your spending
Per month. The starting positions are rough national averages (BLS Consumer Expenditure Survey shape), not your numbers — drag them until they are.
3 · What that earns you
Your wallet is already optimal — add nothing.
Every card we can find earns you less than it costs, or less than $25/yr more than what you already carry. Applying for one would trade a hard pull and a new annual fee for a rounding error.
This is the most common result, and it is the one nobody else will show you: a recommendation engine that is paid per approval can never afford to print it. We are paid nothing, so we can.
Runners-up
Where your money is going right now
Category by category, with the card that should be taking each dollar and the cap that stops it. A category showing two cards is a cap being spent and then spilled — that is the routing working, not a mistake.
How this works
We rank the alternative against your best case, not your worst. Before any card is considered, we solve the wallet you already own: every category's spend goes to the highest-earning card that can still take it, caps are spent and spilled over, a pick-your-category card is parked on the single category where it wins the most, and a rotating card only counts if this quarter's published calendar includes the category. Then we add one candidate card at a time and re-solve. The difference is the gain; the annual fee comes out of it; the top three are what's left.
What we deliberately do not count: rates that need a five-figure deposit balance or a specific payment wallet, travel-portal-only rates, signup bonuses, and any card whose points currency we could not value from published sources. Every one of those would make the recommendation look better and be less true.
What this can't know: whether you'll actually park the category every month, whether you carry a balance (if you do, no rewards math beats paying the APR down — that is the whole answer), your credit profile, and issuer rules like Chase's 5/24 that may make the card unavailable to you regardless. Wrong number? .