Most "best credit card" pages rank cards for a fictional average spender. A credit card rewards calculator should start with your categories—groceries, dining, travel, rent—and show which card actually earns more on that mix. MaxPoints is a free rewards optimizer: no signup, spending-based recommendations, built to answer "what's the best credit card for my spending?" without a spreadsheet.
Add monthly (or yearly) spend by category—dining, groceries, gas, travel, rent, and the rest. Rough numbers are fine.
Map that mix against current card rewards rates, fees, and (where relevant) welcome bonuses for annual value.
See which cards fit your wallet—and why.
Everyday spend, dining/groceries, travel/transit, rent (Bilt where relevant), annual fee vs bonus tradeoffs. Results are estimates—not guarantees of points or approval.
Run your spending through the calculatorThe best card still depends on your mix. These guides cover groceries, dining, travel, rent, gas, online shopping, and streaming—then the calculator ranks cards for your numbers.
Check a flagship annual fee against the credits you’d actually use, then bring that spend into the full calculator.
Moving points to a partner? See active transfer bonuses before you transfer.
Stop optimizing for someone else's budget. Plug in your categories, compare cards on real value, and pick the next card—or the next tweak to your wallet—with less guesswork.
Open the free calculator