Rewards optimizer

See the category leaders.

Find which card may earn the most value in each spending category using Cardwell’s focused catalog.

Example spending

Compare category leaders

Replace the prefilled amounts with your own broad monthly estimates.

Enter each purchase once. Split flights, hotels and online groceries into their own optional fields.

Dining and takeout per month$In-store groceries per month$Gas per month$Other direct travel (not flights or hotels) per month$Other purchases (not entered elsewhere) per month$

More spending categories

U.S. online retail (not groceries) per month$Eligible online groceries per month$Entertainment per month$Eligible streaming services per month$Drugstores per month$Flights booked directly per month$Hotels booked directly per month$EV charging per month$

Estimated point or mile value¢ each

Starts with example spending — check every input before using this estimate.

Estimated plan · up to 3 cards

$756 net yearly value

Compares one-, two-, and three-card sets after annual fees. This estimate uses 3 cards and subtracts each listed annual fee once.

Dining and takeoutSavor3% · $162/yr

In-store groceriesSavor3% · $234/yr

GasBlue Cash Everyday3% before cap · $72/yr

Other direct travel (not flights or hotels)Double Cash2% · $72/yr

Other purchases (not entered elsewhere)Double Cash2% · $216/yr

Cards used

Blue Cash Everyday · Savor · Double Cash

This is a mathematical category estimate, not a recommendation to open several cards. It excludes welcome offers, credits, merchant-coding differences, rotating-category activation and portal-only rates. Shared caps are allocated across eligible spending; actual timing and merchant eligibility can change the result.

Keep in mind

These are educational estimates, not financial advice or an approval prediction. Offers and issuer calculations can change. Confirm current terms before applying or making an account decision.

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