Portfolio analyzer
Four answers about your wallet.
Pick the cards you carry and sketch your monthly spending. The results update as you type. Nothing is sent to a bank, and we never ask for an account.
Dataset v2026.08.17b, verified Aug 17, 2026
01Which cards are in your wallet?
Include every card you actively use, even the no-fee ones — they change the answer.
02Roughly what do you spend each month?
Estimates are fine. The analysis is about proportions, not precision, and nothing here touches your bank.
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03How good are you with statement credits?
This is the single biggest swing factor on premium cards, so it’s worth being honest rather than optimistic.
Monthly credits are weighted lower than annual ones automatically, because they’re forfeited far more often. The tracker replaces this estimate with what you actually redeem.
Pick at least one card to begin
Include the no-fee cards too. They often turn out to be the reason a category is or isn't covered.
How to read these numbers. Every figure is an estimate built from published earn rates and our own transfer-value assumptions, applied to the spending you entered. They’re designed to rank your options against each other rather than to predict your statement to the dollar. Confirm current terms with the issuer before you act on any recommendation, and never open a card whose minimum spend you’d have to manufacture.
Two things we deliberately don’t do. Airline and hotel cards are analysed in full once you hold them, but we never recommend adding one — a free night award or companion certificate is worth full price if you’re loyal to that brand and nothing at all if you aren’t, and your spending can’t tell us which. We also treat co-branded bonus rates as though your flights and hotels are with that brand, so if you fly Delta but hold a United card, your real earn rate is lower than shown.