Find out how much you're leaving on the table.
Enter your monthly spending and the cards you use now. In about two minutes, see what your cards earn today, the best 2- or 3-card stack for your spending, and the dollar gap between the two.
Example: $3,000 a month in spending, using only a Chase Freedom Unlimited today. Cash value, after annual fees. Your numbers will differ.
Three numbers that answer one question.
What your current cards return in a year, after annual fees.
The combination of up to three cards that earns the most for your exact spending.
The yearly difference between the two, in dollars.
Two minutes, three steps.
- 1
Make your own copy
The calculator opens in Google Sheets. Your copy is private, and your numbers stay with you.
- 2
Enter spending and cards
Type what you spend each month in seven categories, and pick the cards you use now.
- 3
Read your results
See your best stack and which card to use for dining, groceries, gas, travel, and everything else.
Built on published card terms.
- 19 popular rewards cards from Amex, Chase, Citi, Capital One, Wells Fargo, U.S. Bank, and Bank of America
- 7 spending categories, with annual caps built in
- Cash value or travel value for points, your choice
- A category-by-category breakdown of your current cards against your best stack
- Card rates checked September 2026 and reviewed every quarter
Every card needs a job.
Find its place in your stack.
