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Wallet Optimizer

Your current cards

This is a demo wallet.

Sign up free to analyze your actual cards — see exactly where you're leaving money on the table.

See My Wallet Gaps

Ranked by earning rate — affiliate fees never influence results.

Next Card to Add

Based on wallet gaps — ranked by estimated annual value added

1

Blue Cash Preferred® Card from American Express

American Express · $95/yr

🛒 Groceries 6x📺 Streaming 6x
+$312/yr

est. lift

View Card
2

American Express® Gold Card

American Express Membership Rewards · $325/yr

🛒 Groceries 4x🍽️ Dining 4x
+$224/yr

est. lift

View Card
3

Citi Custom Cash℠ Card

Citi · No annual fee

⛽ Gas 5x
+$96/yr

est. lift

View Card

Ranked by earning rate improvement — affiliate fees don't affect this order.

Best Cards by Category

Which card to use for each type of spending

Dining

Restaurants, bars, cafes

Chase Sapphire Preferred

Chase Ultimate Rewards

3x bonus

Groceries

Supermarkets, grocery stores

Citi Double Cash

Citi

2x default

Travel

Flights, hotels, rental cars

Chase Sapphire Preferred

Chase Ultimate Rewards

2x bonus

Gas

Gas stations, fuel

Citi Double Cash

Citi

2x default

Streaming

Netflix, Spotify, etc.

Citi Double Cash

Citi

2x default

Transit

Public transportation, rideshare

Chase Sapphire Preferred

Chase Ultimate Rewards

2x bonus

Online Shopping

E-commerce, online purchases

Citi Double Cash

Citi

2x default

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