Discover the best credit card combination with our calculator. Take your preferences into account and will find the pairings that earn the most rewards, for your spending.
Find the best card combos for your spending
The best pair or combo of cards depends on your spending. Our calculator will accurately compute and optimize the value of all possible combos. We rank the results and show you the ones that earn the most credit card rewards, and that fit your preference in terms of reward type, favorite banks, annual fees etc…
Determine simple but effective credit card pairings
Ideal for people who believe in the 80/20 rule. Look for a simple card set up with 2-3 cards that is easy to maintain. Our algorithm-based optimizer will ensure you find the pairing that earns the highest amount of points, cash back and benefits.
Analyze short-term and long-term value of card combinations
While signup bonuses can make cards look very attractive, they don’t say much about long term value of a wallet. The tool can toggle on and off the signup bonus period so you can rank card combos depending on their first-year value, or long-term value.
How to Use the Best Credit Card Combination Calculator
What to chose in Select Potential Next Cards?
If you have no idea, select All. It will try all possible cards.
If you have specific card you would prefer, you can select those and/or use filters to narrow down options.
How is this computed?
We built a powerful algorithm that relies on mathematics to maximize your rewards, based on all the card parameters and your spending.
Should I include signup bonus?
Toggling on will show you the first-year value of the combo, including the signup bonuses.
In contrast, toggling off signup bonuses can help understand how your card mix will perform over the long-term. For example once bonuses have been paid (this is when fees start to hurt!)
What do columns represent in the results?
Each column represents a combination and shows the corresponding reward values below.
Why is the card name showing a parenthesis?
Some cards let you choose which categories gets bonus cashback (ex: Bank Of America CashRewards pays 3% cashback in the category of your choice), or offer different signup bonuses. The algorithm determines which of these you should choose/activate. This is shown in the parenthsis.
How should I use my cards to get maximum rewards?
Click the brain icon. It shows which card to use for each category.
Why are there 2 cards on the same category for Optimal Use?
Multiple cards indicate that the money spent in this category should be split between cards:
- Because of thresholds (ex: Citi Custom Cash pays 5% cashback on the first $500, and 1% after, so it might be better to use another card after $500 spent)
- Based on time period (ex: Discover Cashback pays 5% on Groceries for the first quarter of the year, and 1% after, so it might be better to switch to another card after the first quarter)
What are Insights?
Insight are general information about the cards.