My Cards & Wallet
Your wallet view shows all your credit cards in one place, calculates fees vs rewards, and gives you an overall portfolio grade.
What you'll find here
All your cards
Tap any card to see earn rates, credits, benefits, and annual fee details
Fees vs rewards
See if each card is paying for itself based on your earning patterns
Signup bonus tracker
Track spending progress toward any active signup bonuses
Wallet grade
An overall A–F score showing how well-optimized your portfolio is
Understanding your wallet grade
Your wallet grade is an A–F score that reflects how well your card portfolio is optimized. It looks at three things:
Category coverage
Does your portfolio cover your major spending categories (Dining, Groceries, Gas, Travel, etc.) with at least one card offering a bonus rate?
Fee justification
For each card with an annual fee, are you earning enough in rewards and using enough credits to justify the cost?
Redundancy
Are you paying two annual fees for cards that do the same thing, or holding a card that adds nothing new to your wallet?
Grade breakdown
Excellent
Your cards cover all major spending categories, rewards outweigh fees, and you're capturing near-maximum value.
Good
Solid portfolio with minor gaps or slight over-payment in fees. A few tweaks could push you to A.
Average
Some categories aren't covered well or fees exceed rewards in certain areas. Room for improvement.
Below average
Significant gaps or fee-heavy cards that aren't earning their keep. Consider replacing or adding cards.
Needs work
You may be losing money to fees without offsetting rewards. Time for a wallet overhaul.
How to improve your grade
Use the Wallet Optimizer
Go to Optimize in the sidebar. It shows exactly which categories your wallet is missing and suggests cards that would fill those gaps.
Check your ROI page
The ROI page breaks down every card's net value (rewards earned minus annual fee). If a card is negative, it might be time to cancel or replace it.
Add missing categories
If you spend a lot at grocery stores but none of your cards earn a bonus there, you're leaving money on the table. A dedicated grocery card could earn 4–6x.
Tracking signup bonuses
When you add a card with an active signup bonus, CardCurator tracks your spending progress toward the minimum spend requirement.
- The card shows a progress bar toward the spending requirement
- You can see how many days are left in the bonus window
- Once earned, you can mark the bonus as received