50+ cards. Every reward rate. Every category. Figure out which card wins for any purchase — in one file.
1
Best Card by Category
Every spending category mapped to every card. See which card earns the most at a glance.
2
Monthly Credit Tracker
Track use-it-or-lose-it credits: dining, Uber, airline incidentals. Never let a credit expire unused.
3
Spend Thresholds
Companion certs, elite status qualification, sign-up bonus tracking with progress formulas.
4
Transaction Analyzer
Paste your transactions. It tells you what you should have used — and how much you lost.
5
MCC Reference
Full merchant category code lookup. Know exactly how any purchase gets categorized.
50+ cards covered
Chase Sapphire PreferredChase Sapphire ReserveChase Freedom UnlimitedChase Freedom FlexChase Ink PreferredChase Ink Business CashChase United ExplorerAmex GoldAmex PlatinumAmex Blue Cash PreferredAmex Blue Cash EverydayAmex GreenAmex Delta GoldAmex Delta PlatinumAmex Hilton HonorsAmex Marriott BonvoyCiti Double CashCiti Custom CashCiti PremierCapital One Venture XCapital One VentureCapital One SavorOneCapital One QuicksilverDiscover itWells Fargo AutographUS Bank Altitude GoUS Bank Cash+Bank of America Customized CashBofA Premium RewardsAmazon Prime VisaApple CardSouthwest PriorityWorld of HyattAA Citi AdvantageAir France KLM (BofA)Bilt MastercardWells Fargo Active CashCostco Anywhere VisaChase Ink UnlimitedChase United QuestAlaska Airlines VisaIHG One Rewards PremierJetBlue PlusTarget REDcardCapital One VentureOneHilton Honors SurpassMarriott Bonvoy BoundlessUS Bank Altitude ReserveAmex EveryDay PreferredDelta ReserveBarclays AAdvantage Aviator
$19 one-time
Works in Excel, Google Sheets, and Numbers. No subscription. No bank connection.
Delivered to your email within minutes of purchase.
Want this done automatically? The Daily Optimizer connects to your cards and emails you every morning — missed earnings in dollars, expiring credits, status tracking.