"Most people with multiple cards are still leaving $300–$600 a year on the table because they swipe the wrong card at dinner. This tool fixes that in four minutes."
Multi-Card Rewards Optimizer
Add all your cards. Enter what you actually spend each month. Claire maps every dollar to the card that earns the most — and shows you what your current habits are costing you.
Step 1 — Your Cards
Step 2 — Monthly Spending by Category
Enter what you actually spend per month. Round numbers are fine — Claire will handle the math.
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Claire's Optimization Report
$0
Current annual rewards
$0
Optimized annual rewards
+$0
Additional per year
+$0
more per year
Claire's Verdict
Optimal Card by Spend Category
Which card to swipe for every type of purchase — and exactly why.
Category
Monthly
Best Card
Rate
Annual Value
Currently Using
Your Card-by-Card Performance
How much each card earns in the optimized plan, and whether the annual fee is justified.
Cards Not Earning Their Keep
These cards have no category where they're the best option for your spending profile. Either close them (mind the credit age impact) or use them strategically.
Claire's Tip
Want to save this optimization? I'll also email you if welcome bonuses on any of your cards change. — Claire