Tool · free result · Pro unlock
Card Stack Optimizer
Your monthly spend by category, run against every card we track, net of the annual fee. The best single card is free. The full ranking and the best two- and three-card stacks are the Pro unlock.
1 · Monthly spend by category
Sample inputs — set yours8 cards not ranked — why
Hotel and airline miles have no cash floor stated on the pages we read, so we don't guess one — Pro lets you set a value and rank them. Not ranked: American Express Green Card, Delta SkyMiles Gold American Express Card, Hilton Honors American Express Surpass Card, Marriott Bonvoy Brilliant American Express Card, Chase Southwest Rapid Rewards Plus Card, Chase United Explorer Card, Chase World of Hyatt Credit Card, Citi Custom Cash Card.
3 · The full stack · Pro, one-time
The other 18 cards, and the best two- and three-card stacks.
- – Full ranking of every card we track, net of fee, at your own point valuations
- – Best 2-card and 3-card stacks: which card takes which category, and what the stack nets
- – Credits you'd actually use, added back from the issuer's own wording
- – Every parsed rate shown beside the issuer's sentence, so you can check our reading
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