Credit Card Optimizer

Overview

The Credit Card Optimizer analyzes your cards and tells you which one to pull out for every type of purchase. It factors in earning rates, bonus categories, transfer partners, lounge access, and annual fee value — so you stop leaving points on the table.

How It Works

Add your cards (or pick from 10+ built-in templates) and the optimizer maps each card's category multipliers against common spending buckets: dining, travel, groceries, gas, streaming, and general. It then ranks your cards per category, showing the top earner and how much more you'd earn versus your worst option.

Lounge Networks

Each card's lounge access is mapped to real networks — Priority Pass, Centurion, Delta Sky Club, United Club, and more. The optimizer shows which airports have lounges you can actually walk into with your current cards, so you know before you fly.

Multiplier Breakdown

For any card, you'll see the full multiplier table: which categories earn 1x, 2x, 3x, or higher. Bonus categories that rotate quarterly are flagged so you can activate them on time.

Key Details

• Navigator gets basic optimization (top card per category). Executive and Black get full analysis with transfer partner valuation.
• Card templates speed up setup — select your card and multipliers auto-populate.

Tips

1. Add all your cards, even the ones collecting dust. The optimizer might surface a use case you forgot about.
2. Revisit after adding a new card — rankings shift when your wallet changes.