Card Stack Optimizer
Enter your monthly spending by category. We'll find the optimal card for each purchase type and show you exactly which card to swipe — and how much more you earn vs. putting everything on one card.
Cards to consider(22 of 22 selected)
Chase
American Express
Capital One
Citi
Column N.A.
Dining & Restaurants
3x → Sapphire Preferred
1,200
pts
U.S. Supermarkets
3x → Citi Strata Premier
1,800
pts
Gas Stations
3x → Sapphire Preferred
450
pts
Travel (general)
3x → Ink Business Preferred
600
pts
Flights (direct)
enter spend to optimise
Hotels (direct)
enter spend to optimise
Rideshare / Transit
enter spend to optimise
Streaming
3x → Sapphire Preferred
150
pts
Internet / Phone
3x → Ink Business Preferred
300
pts
Rent
enter spend to optimise
Everything Else
2x → Bilt Palladium
1,000
pts
Optimized stack value
$106
per month
≈ $1,277 per year
vs. only using Bilt Palladium for everything
+$26/mo more with the stack
+$317 extra per year
Your optimal stack4 cards
Monthly points earned
2,700 pts
≈ $54 value
1,800 pts
≈ $32 value
1,000 pts
≈ $20 value
Values use standard CPP benchmarks (UR/MR 2¢, Cap One 1.85¢, etc.). Actual value depends on redemptions. Earning caps not applied.