Always use the right card. See effective return rates that factor in point valuations, portal multipliers, and transfer partners.
Smart Checkout
Which card RIGHT NOW?
Enter a merchant and amount. Instantly see the best card factoring in rewards, active offers, and point valuations.
Transaction Optimizer
Which card by category?
Select a spending category and see which card in your wallet gives the highest effective return rate.
Portfolio Analyzer
How are my cards performing?
Enter your monthly spending and see annual rewards, net value after fees, and identify dead cards.
Card Recommender
What cards should I get?
Based on your spending, discover which new cards would earn you the most incremental value.
💰 Why Effective Return Rates Matter
Most people think "3x points = 3% back." But that's wrong.
Chase Sapphire Reserve earns 10x on hotels booked via portal. Each point is worth 1.5¢ through the portal. That's 15% effective return — not 10%.
Amex Gold earns 4x on dining. Transfer to partners at 2.0¢/point = 8% effective return.
Stack Your Cards shows you the real value of every swipe.