Question 1

How does the credit card optimizer work?

Accepted Answer

Enter your monthly spending by category and select the credit cards you own. The optimizer compares reward rates across all your cards for each spending category and tells you which card earns the most for each purchase type. It also calculates how much you'd earn annually if you optimized every swipe — versus using one card for everything.

Question 2

Which credit card should I use for groceries?

Accepted Answer

It depends on your card lineup. Amex Gold (4x MR ≈ 7.2%), Blue Cash Preferred (6% up to $6K/yr), and Citi Custom Cash (5% on top category) are top grocery cards. Enter your cards above and the optimizer tells you the best choice from what you already have.

Question 3

How much money am I leaving on the table?

Accepted Answer

Most people leave $200–$800/year on the table by not using the right card for each purchase. Heavy spenders with multiple premium cards can recover $1,000+ annually just by swiping strategically.

Question 4

Should I get a credit card with an annual fee?

Accepted Answer

If the rewards you'd earn exceed the fee, yes. The optimizer's Annual Fee Audit shows whether each of your cards earns enough to justify its fee — and recommends downgrading or canceling cards that don't.

Question 5

What credit score do I need for rewards cards?

Accepted Answer

Most premium rewards cards require 700+. Solid no-annual-fee options are available at 660+. The optimizer checks your score against each recommended card's minimum and shows eligibility.

Stop leaving money on the table.

Step 1: Pick Your Cards

Step 2: Monthly Spending

Step 3: Credit Score

Frequently Asked Questions