Route every dollar. Sit up front.
Optional. No card issuer hands these over automatically, so you have to check each account and type them in. The routing answer works without it; this values what is already sitting there.
A point is only worth what you get for it. These are our figures — change any of them and every recommendation follows yours instead.
Points you can move between airlines and hotels are worth more than miles locked to one airline. That is the whole reason the numbers above differ.
Points earned versus fee paid. Credits and perks aren't counted, so read this as the floor.
| Card | Fee | Points/yr | Value | Net |
|---|
Which card for what, and the arithmetic behind every call.
Work backwards from the tier you want. Delta Medallion and American AAdvantage are modelled; United's PQP, Alaska and JetBlue work differently and are not.
| Category | Monthly | Recommended | Rate | Points/yr | Value |
|---|
Some bills charge a percentage to pay by card — rent, tuition, tax payments and HOA dues are the usual ones. Set the fee per category and every figure above is reported net of it. If the fee is a deductible business expense, enter your marginal rate and the after-tax cost is used instead.
| Category | Monthly | Fee % | Net per $1 |
|---|
Elite progress and credit health.
Delta gives Diamonds one extra Choice Benefit at each of $50K, $75K and $100K total MQDs. It publishes no dollar value for any of them. Put your own numbers on them so the status trade-off has a figure attached instead of a milestone.
Under 30% per card is the usual guidance; under 10% is better. Charge cards with no preset limit can be left blank.
Business cards from Amex and Chase generally do not report to your personal credit, so they usually do not affect your personal utilization. Using a card for business does not make it a business card. A personal card put on business spend still reports to you personally.
| Card | Balance | Limit | Util. |
|---|
Premium-cabin award space worth acting on.
Which card is worth adding, on what you actually spend. Ranked by what it returns to you — never by what we earn.
Business cards only appear if you tick this or already hold one — you cannot apply for one otherwise.
Best card at the register, and what's missing from your lineup.
Some co-brand benefits only apply when that card buys the ticket. They are worth nothing if you route the purchase elsewhere for points, so the router counts them — but only once you say what they are worth to you.
Categories your current cards under-earn on, ranked by what the fix is worth.
Swap replaces a card and carries everything with it — routing, limit, balance, open date, credits and imported purchases.
| Card | Fee | Earns | Status per $ |
|---|
| Card | Applied | Status | Est. commission |
|---|
Premium cards carry thousands in credits people forget to use. Track them here.
Enter the spend requirement and deadline from your approval letter.
Chase auto-denies if you've opened five or more personal cards from any issuer in 24 months. Enter your account-open dates.
Drop your Spending Report — the PDF with the pie chart and category percentages. On Amex it is under Statements & Activity; on Chase it is the Spending Summary. A CSV or QFX export works too. Everything is read in this browser — no file is uploaded, nothing leaves your machine. A PDF fills in the summary form for you to check; a CSV gives merchant-level detail and the routing reconciliation.
Amex and Chase both publish a Spending Report with category totals. That is far less invasive than a transaction file — it names no doctors, no schools, no individual purchases — and it is enough to route your spend. Enter the totals here and the monthly figures are worked out from the period.
| Label | Category | Period total |
|---|
Everything lives in this browser only. Export to keep a copy or move machines; import to restore one. Import replaces your wallet, spending rows, valuations, balances and merchant rules.
Which card terms have been checked against issuer-published sources, and which were inherited from an earlier build. Nothing is treated as correct just because it has been in the file a while.
Calculations that don't exist anywhere else.
Paying a fee to put spend on a card — rent, tuition, a tax bill. Does the value earned beat the fee?
Delete everything clears this browser immediately. We hold no copy — there is nothing on our side to delete.
Bank sync, live Delta One alerts, and automatic status tracking as they ship.
An email when something new ships. Nothing else, and you can leave at any time.