Personalized Analysis

Monthly Spending Breakdown

Adjust your monthly spending in each category and list any credit cards you already have. Our AI analyzes your spending patterns to show the value of your existing cards and recommend additional ones to maximize your rewards, points, and cashback.

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Cards You Already Have

Search and select credit cards you currently have. This helps us show the value of your existing cards and recommend additional ones.

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Cards to Exclude from Recommendations

Search and select credit cards you want to exclude from recommendations. These cards won't appear in your personalized suggestions.

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Rent

$1500

🍽️

Dining & Restaurants

$350

🛒

Groceries & Supermarkets

$600

⛽

Gas Stations

$250

✈️

Airfare

$100

🏨

Hotels

$100

🚗

Transit & Rideshare

$70

📺

Streaming Services

$50

💊

Drugstores / Pharmacies

$60

🎬

Entertainment

$200

📱

Phone/Cable/Internet

$300

📦

Other

$370

Updating recommendations...

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Optimal Recommendations

Best cards for your spending profile

Cards

$95

Annual Fee

9,790

Points/Month

4.7%

Cash Value

Optimized Spending Strategy

The following categories are split between multiple cards to maximize your rewards:

Groceries - $600/month split between multiple cards

💡 This strategy ensures you earn the highest possible rewards by using each card's strengths.

Bilt Mastercard

Recommended

Wells Fargo

$0 annual fee

Transferable

2.20¢/point

Spending Categories:

Rent1x

Dining3x

Other1x

Entertainment1x

Drugstores1x

Streaming1x

$853

net annual value

$71/month rewards

Category Breakdown

Category

Spending

Multiplier

Points/Cash

Cent/Point

Cash Value

Rent

$1,500

1500 pts

2.20¢

$33

Dining

$350

1050 pts

2.20¢

$23

Other

$370

370 pts

2.20¢

Entertainment

$200

200 pts

2.20¢

Drugstores

$60

60 pts

2.20¢

Streaming

$50

50 pts

2.20¢

Rent

$33

Spending: $1,500

Multiplier: 1x

Points/Cash: 1500 pts

Cent/Point: 2.20¢

Dining

$23

Spending: $350

Multiplier: 3x

Points/Cash: 1050 pts

Cent/Point: 2.20¢

Other

Spending: $370

Multiplier: 1x

Points/Cash: 370 pts

Cent/Point: 2.20¢

Entertainment

Spending: $200

Multiplier: 1x

Points/Cash: 200 pts

Cent/Point: 2.20¢

Drugstores

Spending: $60

Multiplier: 1x

Points/Cash: 60 pts

Cent/Point: 2.20¢

Streaming

Spending: $50

Multiplier: 1x

Points/Cash: 50 pts

Cent/Point: 2.20¢

Total Monthly Rewards: $71

Annual Fee: -$0

Net Annual Value: $853

Requires at least 5 transactions per statement period to earn points

Citi Strata Premier

Recommended Split Spending

Citi

$95 annual fee

Transferable

1.85¢/point

Spending Categories:

Hotels10x

Gas3x

Groceries Split 3x

Airfare3x

Transit3x

+$458

incremental value

$47/month rewards

Category Breakdown

Category

Spending

Multiplier

Points/Cash

Cent/Point

Cash Value

Hotels

$100

10x

1000 pts

1.85¢

$19

Gas

$250

750 pts

1.85¢

$14

Groceries Split

$100

of $600 total

300 pts

1.85¢

Split across multiple cards for optimal rewards

This category is divided between cards to maximize rewards

Airfare

$100

300 pts

1.85¢

Transit

$70

210 pts

1.85¢

Hotels

$19

Spending: $100

Multiplier: 10x

Points/Cash: 1000 pts

Cent/Point: 1.85¢

Gas

$14

Spending: $250

Multiplier: 3x

Points/Cash: 750 pts

Cent/Point: 1.85¢

Groceries Split

Spending: $100

Multiplier: 3x

Points/Cash: 300 pts

Cent/Point: 1.85¢

Total spending: $600

Split across multiple cards for optimal rewards

This category is divided between cards to maximize rewards

Airfare

Spending: $100

Multiplier: 3x

Points/Cash: 300 pts

Cent/Point: 1.85¢

Transit

Spending: $70

Multiplier: 3x

Points/Cash: 210 pts

Cent/Point: 1.85¢

Total Monthly Rewards: $47

Annual Fee: -$95

Net Annual Value: $473

10x points on hotels, car rentals, and attractions booked through Citi Travel; 3x points on air travel, hotels, restaurants, supermarkets and gas/EV stations; 1x on other purchases

Chase Ink Business Cash

Recommended

Chase

$0 annual fee

Transferable ⓘ

Transfer Conditions

Requires one of: Chase Ink Business Preferred, Chase Sapphire Preferred, Chase Sapphire Reserve

2.05¢/point

Spending Categories:

Utilities5x

+$290

incremental value

$31/month rewards

Category Breakdown

Category

Spending

Multiplier

Points/Cash

Cent/Point

Cash Value

Utilities

$300

1500 pts

2.05¢

$31

Utilities

$31

Spending: $300

Multiplier: 5x

Points/Cash: 1500 pts

Cent/Point: 2.05¢

Total Monthly Rewards: $31

Annual Fee: -$0

Net Annual Value: $369

No annual fee; total sign-up bonus includes $350 after $3k spend and an additional $400 after $6k spend

Citi Custom Cash

Recommended Split Spending

Citi

$0 annual fee

Transferable ⓘ

Transfer Conditions

Requires one of: Citi Strata, Citi Strata Premier, Citi Strata Elite

1.85¢/point

Spending Categories:

Groceries Split 5x

+$222

incremental value

$46/month rewards

Category Breakdown

Category

Spending

Multiplier

Points/Cash

Cent/Point

Cash Value

Groceries Split

$500

of $600 total

2500 pts

1.85¢

$46

Split across multiple cards for optimal rewards

This category is divided between cards to maximize rewards

Groceries Split

$46

Spending: $500

Multiplier: 5x

Points/Cash: 2500 pts

Cent/Point: 1.85¢

Total spending: $600

Split across multiple cards for optimal rewards

This category is divided between cards to maximize rewards

Total Monthly Rewards: $46

Annual Fee: -$0

Net Annual Value: $555

Earns 5% cash back on purchases in your top eligible spend category each billing cycle (up to $500 spent per cycle), 1% thereafter; eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment; 4% additional cash back on hotels, car rentals and attractions booked through Citi Travel through June 30, 2026; 0% intro APR for 15 months

💡 Pro Tips for Credit Card Optimization

Consider annual fees vs. potential rewards when choosing cards. Calculate your break-even point to ensure the card pays for itself.

Diversify your card portfolio to maximize different spending categories like dining, travel, groceries, and gas.

Track your spending patterns to optimize card usage and ensure you're earning maximum rewards on every purchase.