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Card Spend Optimizer

Input your monthly spend by category and see exactly which cards maximize your points. Results update in real time.

Personal Spend

Dining / Restaurants
$
U.S. Supermarkets
$
U.S. Gas Stations
$
Streaming Services
$
Flights (booked direct)
$
Hotels (booked direct)
$
General Travel
$
Rideshare (Uber/Lyft)
$
Everything Else (personal)
$

Top Personal Cards

Capital One Venture X

2x floor on everything — the base layer for any stack

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Points/yr

52,800 C1

Est. value

$950

Annual fee

$395 (−$485 credits)

Net value

+$1,040

Chase Freedom Unlimited

Points/yr

37,200 UR

Est. value

$744

Annual fee

$0

Net value

+$744

Amex Gold

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Points/yr

52,800 MR

Est. value

$1,056

Annual fee

$325

Net value

+$731

Capital One Venture

Points/yr

45,600 C1

Est. value

$821

Annual fee

$95

Net value

+$726

Chase Sapphire Preferred

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Points/yr

36,000 UR

Est. value

$720

Annual fee

$95

Net value

+$625

Optimal Personal Stacks

Best 2-Card Stack

Est. annual value: +$1,156
$1,066 points value − $395 fees + $485 credits
Capital One Venture XBase Layer

Best for: U.S. Supermarkets, U.S. Gas Stations, Streaming Services, Flights (booked direct), Hotels (booked direct), General Travel, Rideshare (Uber/Lyft), Everything Else (personal)

Chase Freedom Unlimited

Best for: Dining / Restaurants

Best 3-Card Stack

Est. annual value: +$1,147
$1,152 points value − $490 fees + $485 credits
Capital One Venture XBase Layer

Best for: U.S. Gas Stations, Streaming Services, Flights (booked direct), Hotels (booked direct), General Travel, Rideshare (Uber/Lyft), Everything Else (personal)

Amex Blue Cash Preferred

Best for: U.S. Supermarkets

Chase Freedom Unlimited

Best for: Dining / Restaurants

Point valuations: Chase UR 2¢, Amex MR 2¢, Capital One 1.8¢, Cash 1¢ per point. Actual redemption values vary. Annual credits are estimated and may require enrollment or specific merchants.