Credit Card Optimization Tool
Filter and compare every card we cover, with all the benefits we verified for each one.
Built from the same data file as the card reviews, so the two can never disagree.
Toolkit
Tools
Twelve calculators and comparison tools. Every one runs entirely in your browser, states its assumptions, and never presents an estimated point value as guaranteed cash.
Several tools read the same card data file that powers the reviews, so they cannot drift apart. Where a card's earning rates were not verified, the tools leave it out rather than guessing a rate.
Best Card Finder
Enter your monthly spending and see which cards earn the most on it.
Rewards estimates plus welcome bonuses, ranked by first-year value.
Welcome Bonus Tracker
Track progress toward a spend threshold and see whether you are on pace.
Saved in your browser only.
Everyday Wallet Maximizer
Pick a store or category and see which of your cards should pay for it.
Uses the verified earning rates, so it only answers where we have them.
Points and Miles Valuation Calculator
Convert a points balance into an estimated dollar value, with the assumptions shown.
Estimates, never guaranteed cash.
Transfer Partner Matrix
Which bank currencies reach which airline and hotel programs, with the live bonuses.
Includes every transfer bonus we are tracking and its deadline.
Redemption Value Evaluator
Cash price against point cost, in cents per point, with a verdict.
The one calculation worth doing before every redemption.
Annual Fee vs Benefits ROI Calculator
Weigh credits, lounge access and free nights against an annual fee.
Counts only the value you say you would actually use.
Card Portfolio Dashboard
Keep track of your cards, renewal dates, annual fees and points balances.
Stored in your browser only. Nothing is sent anywhere.
Award Travel Itinerary Builder
Build a multi-city redemption plan leg by leg and total the points and cash.
Plans you can save as a note, not a booking engine.
Deal Aggregator
Every current deal and transfer bonus in one filterable list.
Built from the same data as the deals page.
Availability and Deal Alerts
Why this one does not exist here, and what to do instead.
An honest explanation rather than a fake feature.
Offline copy of the optimization tool
The Credit Card Optimization Tool is also available as a single HTML file with everything embedded. Save it and it works with no internet connection and no dependency on this site.