Describe the spending profile.
Use a template or adjust only the categories that matter. Rough monthly estimates are enough.
Dining$630
Groceries$520
Travel$360
Other$290
Portfolio optimization
A card portfolio modeled for your spending.
Model rewards, annual fees, credits, caps, and category overlap as one portfolio decision — not a sponsored card ranking.
Free to use. No account or bank connection required — the analysis runs on spending assumptions you type in. Card terms verified Aug 2, 2026.
Illustrative portfolio brief
Household profile · $1,800/mo · travel-points mode
Proven within this run
Modeled annual net value
$772.66 modeled annual net value
Modeled delta: +$341 vs. a flat 2% card
Annual fees
$190
Cards selected
2
Spend routing
Reward rate
DiningBilt Obsidian3x
GroceriesAmex Blue Cash Preferred6% (to $6,000/yr)
TravelBilt Obsidian2x
Everything elseBilt Obsidian1x
This sample was proven optimal only within its selected catalog, objective, assumptions, constraints, and data snapshot.0.00% gap
Run your own numbersDecision framework
A portfolio decision, not a card ranking.
The model evaluates the economics of the whole wallet. A card only stays if its incremental reward, credit value, and category coverage justify its fee and constraints.
Evaluate every constraint together.
Rates, annual caps, credits, fees, overlapping categories, and portfolio size are weighed together — then the result tells you whether optimality was proven or the time limit was reached first.
- Method
- CP-SAT optimization
- Objective
- Annual net value
- Result
- Proof status included
Put the recommendation to work.
See which cards to carry, where to use them under the modeled categories, and the reason each one earned a place.
DiningBilt Obsidian3x
GroceriesAmex Blue Cash Preferred6% (to $6,000/yr)
TravelBilt Obsidian2x
Independent analysis
Constraint-based rigor without handing over your financial life.
No bank credentials or card numbers. The analysis uses only the spending and valuation assumptions you choose to provide.
Read the methodologyConstraint model
Reward caps, credits, fees, category overlap, and portfolio size
Recommendation policy
Commissions are not solver inputs; issuer terms and eligibility control applications
Data provenance
Dated catalog reviews with issuer-source links and documented limitations
Privacy posture
No account required for the free optimizer and no bank connection
Access
Start with the full analysis.
The core optimizer is free. Premium adds larger portfolios, alternative solutions, sensitivity analysis, and unlimited scenarios.
Compare plan detailsAdvertiser Disclosure: Some links on this page are affiliate links. Depending on the program, we may receive compensation when you click, apply, or are approved, at no additional cost to you. Commissions are not inputs to the solver or ranking criteria; issuer terms, eligibility, approval, and channel-specific offers control application outcomes. Read the affiliate disclosure
Card research
Popular cards, reviewed on their economics.
Compare reward rules, credits, eligibility, and annual fees before they enter your portfolio.
- Chase$95/yr
Chase Sapphire Preferred
3.0x Dining · 3.0x Streaming · 3.0x Groceries — online
Good credit recommendedReview - Amex$325/yr
Amex Gold
4.0x Dining · 3.0x Flights outside issuer portals · 5.0x Amex Travel - Hotels
Good credit recommendedReview - Capital One$395/yr
Capital One Venture X
2.0x on everything · 5.0x Capital One Entertainment · 10.0x Capital One Travel - Hotels
Excellent credit recommendedReview - ChaseNo annual fee
Chase Freedom Unlimited
1.5x on everything · 3.0x Dining · 3.0x Drugstores
Good credit recommendedReview - CitiNo annual fee
Citi Double Cash
2.0x on everything · 5.0x Citi Travel - Hotels · 5.0x Citi Travel - Rental Cars
Good credit recommendedReview - Wells FargoNo annual fee
Wells Fargo Active Cash
2.0% on everything · No annual fee
Good credit recommendedReview
Ready to calculate
Build the portfolio around your spending — not someone else’s ranking.
Two minutes. No credentials or card numbers.