Credit Card Reward Optimizer Calculator
Compare cashback earnings across multiple credit cards. Optimize which card to use for each spending category based on bonus rates and annual fees.
Applications
Perfect for optimizing credit card rewards across multiple spending categories. Compare cards with different bonus categories, base rates, and annual fees to maximize your net cashback.
Cashback Calculation
For each card: Cashback = Sum of (spending in bonus category × bonus rate%) + Sum of (spending in other categories × base rate%). Net reward = Total cashback - Annual fee.
Fun Fact: Using the right credit card for each category can boost your annual cashback by $200-500+ compared to using a single flat-rate card!
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