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Credit Card Portfolio Optimizer

One simple card, a two-card setup, or a premium travel card? Enter your monthly spend by category and this engine estimates net rewards for each setup, after fees and the credits you actually use.

Your situation
$
$
$
$
$
$
$
$
$
$
Current option
Do you carry a balance?
$
%
Alternatives
Willing to manage multiple cards?
$
Will you use travel credits?
Will you use dining credits?

Your decision

Best setup for your spending: "Simple 2% cash-back card + Category cash-back card", worth about $1,031/yr in net rewards.

Recommended: Two-card setup

Recommended setup

Good

Simple 2% cash-back card + Category cash-back card

Highest net annual value across one-card, two-card, and premium options.

Best two-card net

$1,031

per year

Simple 2% cash-back card + Category cash-back card

Best single-card net

$900

per year

Simplest option, after fees and credits.

Annual spend analyzed

$45,000

Across all ten categories you entered.

Ranked options

  1. #1Two-card setup

    Simple 2% cash-back card + Category cash-back card — pairs a flat-rate floor with bonus categories for $1,031/yr net.

    $1,031/yr
    Confidence: MediumEffort: MediumRisk: Low

  2. #2Best single card

    Simplest setup with the highest single-card net value for your spend.

    $900/yr
    Confidence: HighEffort: LowRisk: Low

  3. #3Premium travel card

    Only worth it if you fully use the travel and dining credits.

    Confidence: LowEffort: MediumRisk: Low

Watch-outs

  • • The premium card's fee is not covered by your rewards plus the credits you actually use (net $-56). A no-fee card nets more for your spending.

Assumptions used

Total annual spend
$45,000
Annual fee tolerance
$95
Uses travel credits
No
Uses dining credits
No
Carries a balance
No
Card profiles
Generic archetypes

Estimates based on your assumptions above — roughly indicative, not financial, tax, or legal advice.

Next steps

Compare Top Rewards Cards →

Why this matters

The best card is not the one with the flashiest rewards — it is the one that nets the most after its annual fee, given how you actually spend. A premium card only wins if you genuinely use its credits; a two-card setup only wins if your category spend is high enough to clear the extra effort. And if you carry a balance, no rewards card matters until the balance is gone.

Frequently asked questions

This tool produces estimates based on the assumptions you enter. It is not financial, tax, or legal advice. Actual rates, fees, and outcomes depend on your lender, account terms, and approval.