Stop guessing which card to use. These free tools run WalletFlo's OneCard rewards engine — the same model that powers the app — so you can see exactly where your spending earns the most.
Enter your monthly spending across 8 categories and the engine finds the 1, 2, or 3-card wallet that maximizes your total rewards — net of every annual fee. Most people gain $300–$600/year from a single card swap.
Find your optimal setup →See exactly how much you're forfeiting by using the wrong card in each spending category — quantified in dollars per year, category by category.
See your leakage →Calculate the true first-year value of any welcome bonus, net of the annual fee and minimum spend requirement. Find out when the card pays for itself.
Calculate ROI →Pick a category and amount, and see which card earns you the most on that exact purchase.
Open tool →Enter your monthly spending and find the cards that would earn you the most over a year.
Open tool →Put any two cards head-to-head on a real spending profile and see which one wins.
Open tool →Add up a card's recurring credits and perks and see whether they outweigh the fee.
Open tool →Dining · Groceries · Gas · Travel · Online shopping · Entertainment · Transit · Everything else
Amex Gold · Amex Platinum · Chase Sapphire Preferred · Chase Sapphire Reserve · Capital One Venture X · Citi Double Cash
Amex Gold vs Sapphire Preferred · Sapphire Preferred vs Reserve · Amex Platinum vs Venture X
Most rewards calculators use static, hand-maintained tables. WalletFlo's tools are powered by the same OneCard engine behind the app, which normalizes every card's rewards — points, miles, and cash back — onto a single effective cash-back rate so cards rank on an apples-to-apples basis. That's why a 4x dining card and a flat 2% card are compared correctly, not by their raw multipliers.
The calculators are free and require no sign-up. When you're ready to optimize your real wallet — and catch the credits, bonuses, and wrong-card purchases you can't see here — get the WalletFlo app.