💳 Wallet Optimizer 6.1

Find the mathematically perfect card strategy.
Need help guessing?
Enter annual income to auto-fill estimates.
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Monthly Spending
🍔
Dining
Restaurants & Delivery
Breakdown ▼
$ /mo
General Delivery: $0
✈️
Travel
Flights, Hotels, Rideshare
Breakdown ▼
$ /mo
Airlines
Lodging
Rideshare
Other
🛒
Groceries
Supermarkets
$ /mo
🏠
Rent
3% Fee applied unless Bilt
$ /mo
📦
Everything Else
Online shopping, bills
$ /mo
Optimization Constraints
Maximum # of Cards
Limit how many cards you want to carry
5
Include Sign-Up Bonuses
Factor in year 1 bonuses in total value
Customize Valuations
Coupon Credits
Value of "Use-it-or-lose-it" credits (e.g. Monthly Uber Cash)
70%
Travel Bank Credits
Value of flexible travel credits (e.g. Chase $300 Travel)
100%
Airport Lounge Access
How much would you pay cash for this annually?
$
Supported Card Library
Chase
Sapphire Reserve Sapphire Preferred United Club / Quest Southwest Priority Hyatt Personal
American Express
Platinum Card® Gold Card® Delta Reserve / Plat Hilton Aspire / Surpass
Capital One
Venture X
Other
Bilt Mastercard Citi AAdvantage
OPTIMAL NET VALUE (YEAR 1)
$0
3-Year Projection
TimelineEst. Net Value
Year 1 (w/ Bonuses)$0
Year 2 (Steady State)$0
Year 3 (Steady State)$0
Financial Breakdown (Year 1)
$0
REWARDS
$0
CREDITS
$0
SIGN-UP BONUS
$0
FEES
Top 5 Alternative Strategies