Rewards optimizer

See the category leaders.

Find which card may earn the most value in each spending category using Cardwell’s focused catalog.

Example spending

Compare category leaders

Replace the prefilled amounts with your own broad monthly estimates.

Dining per month$Groceries per month$Gas and EV charging per month$Travel booked directly per month$Other purchases per month$

Estimated point or mile value¢ each

Estimated category plan

-$650 net yearly value

This plan uses 4 cards and subtracts each listed annual fee once.

DiningAmex Gold4x · $216/yr

GroceriesAmex Gold4x · $312/yr

Gas and EV chargingSapphire Preferred3x · $72/yr

Travel booked directlySapphire Reserve4x · $144/yr

Other purchasesVenture X2x · $216/yr

Cards used

Amex Gold · Sapphire Preferred · Sapphire Reserve · Venture X

This is a mathematical category estimate, not a recommendation to open several cards. It excludes welcome offers, credits, merchant-coding differences, shared-category caps, rotating-category activation, and portal-only rates.

Keep in mind

These are educational estimates, not financial advice or an approval prediction. Offers and issuer calculations can change. Confirm current terms before applying or making an account decision.

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