Pick a category and amount. WalletFlo's OneCard engine ranks the cards that earn you the most — so you never swipe the wrong one again.
Every card earns at different rates in different categories — 4x on dining here, 3% on groceries there, 1x on everything else. The hard part is that points and miles aren't worth the same as cash back, so a "5x" card isn't automatically better than a "3%" one. WalletFlo normalizes each card's rewards into a single effective cash-back rate, then ranks them for the category you choose.
Most people use one or two "default" cards for everything. On categories those cards don't bonus, you can earn 1–5% less than you could — every single purchase, all year. This tool shows the gap on one purchase; the WalletFlo app closes it automatically across your whole wallet.
Use the card with the highest reward rate for the purchase's category. This tool converts points, miles, and cash back into one comparable rate and shows the top earner.
The best card is usually set by the category, but the amount tells you the reward in real dollars — and what you'd lose using the wrong card.
Yes, free and no sign-up. To optimize your real wallet automatically, get the WalletFlo app.