Credit Card Wallet Optimizer
Enter your monthly spend and see which cards deliver the highest net annual value across the full OneCard catalog — ranked by rewards, credits, perks, and fees.
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How the wallet optimizer works
- 1Enter your monthly spend across all categories.
- 2The OneCard engine evaluates the full credit card catalog against your profile.
- 3Cards are ranked by net annual value with optional filtering for live reward data only.
- 4Review the top 8–20 cards with full breakdowns and links to apply or dig deeper.
Why optimize your entire wallet?
Most people pick cards one at a time — a travel card here, a grocery card there — without seeing the full picture. The wallet optimizer shows which cards win across the entire market for your specific spend, surfacing options you might not have considered.
Toggle 'only cards with live reward data' to focus on cards where we have verified earn-rate snapshots, or include the full catalog for exploratory research.
Related tools
- Best Card Finder
Filter by issuer and fee, then rank by net annual value.
- Rewards Calculator
Model monthly spend and compare net annual value across cards.
- Side-by-Side Compare
Compare two to four cards on the same spend profile.
- Annual Fee Worth It?
Credits and perks vs annual fee from live catalog data.
- Card Directory
Browse earn rates, fees, and apply links for every card.
Frequently asked questions
This is a snapshot for research. The app tracks your real connected cards and updates recommendations weekly.