Most people have the wrong combination of cards. Enter your monthly spending and the OneCard engine finds the 1, 2, or 3-card wallet that earns you the most — net of every annual fee.
The engine scores every card in the catalog on your exact spend profile, converting all point multipliers to a single cash-equivalent rate. It then selects the anchor card with the highest net annual value, and iteratively finds the add-on card that recovers the most "leaked" rewards on categories where the anchor underperforms — always net of annual fees.
No single card dominates every category. A card earning 4% on dining earns 1% on groceries. The optimizer quantifies exactly how much you'd gain by adding a specialist card and whether the annual fee of that second card is worth it for your specific spending mix.
This calculator runs on your estimated spending. The WalletFlo app connects to your actual transactions via Plaid, runs the same optimization on your real history, and updates your recommendations every week — surfacing the exact dollar value of every card swap it recommends.
It depends entirely on your spending mix. Enter your monthly spend by category and the optimizer will show you the combination that earns the most for your specific situation.
A 2-card wallet is usually the sweet spot. A 3rd card only adds real value when it earns significantly more on a large category that your first two cards both underperform on.
Yes. All results are shown net of annual fees. A high-fee card only appears in the optimal combo if its rewards more than offset the fee.