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- •This tool uses a simplified strategy for credit card spending calculations, and assumes 1 cent per point value.
- •To maximize point transfers and find award availability, use tools like Roame or Seats.aero to search across multiple airline programs.
- •For comprehensive advice taking into account partner rewards or transfer bonuses, visit sites like NerdWallet or The Points Guy.
- •For accurate spending tracking throughout the year, use apps like Monarch or CoPilot to get real spending data.
$5,100
Total Monthly Spending
$61,200
Total Annual Spending
$9,600/year
$0$5,000
$800
per month
$3,600/year
$0$5,000
$300
per month
$7,200/year
$0$5,000
$600
per month
$7,200/year
$0$5,000
$600
per month
$3,600/year
$0$5,000
$300
per month
$6,000/year
$0$5,000
$500
per month
$6,000/year
$0$5,000
$500
per month
$4,800/year
$0$5,000
$400
per month
$3,600/year
$0$5,000
$300
per month
$2,400/year
$0$5,000
$200
per month
$7,200/year
$0$5,000
$600
per month
i
Categories not directly applicable to a spending category will fall into the base 1x points value.
Percentage of spending you expect to make through card issuer portals (Chase Ultimate Rewards, Amex Travel, etc.)
50%
portal usage
0%100%
Adjust based on your travel booking habits
How many credit cards you are comfortable managing in your wallet
2
cards
15
Adjust based on your comfort level
| 2-Card Combination | Annual Fees | Expected Annual Value | Transfer Partners |
|---|---|---|---|
Citi Double Cash + Citi Strata Premier Citi ecosystem | $95 | $1,657 | Aeromexico Club PremierAmerican Airlines AAdvantageAir France Flying Blue |
Wells Fargo Active Cash + Citi Strata Premier Low-fee strategy | $95 | $1,657 | Aeromexico Club PremierAmerican Airlines AAdvantageAir France Flying Blue |
Chase Sapphire Preferred + Citi Double Cash Low-fee strategy | $95 | $1,549 | Aer Lingus AerClubAir Canada AeroplanAir France Flying Blue |
Chase Sapphire Preferred + Wells Fargo Active Cash Low-fee strategy | $95 | $1,549 | Aer Lingus AerClubAir Canada AeroplanAir France Flying Blue |
Citi Double Cash + Citi Costco Anywhere Citi ecosystem | $0 | $1,500 | |
Wells Fargo Active Cash + Citi Costco Anywhere No annual fees | $0 | $1,500 | |
Chase Freedom Unlimited + Citi Strata Premier Low-fee strategy | $95 | $1,498 | Aer Lingus AerClubAir Canada AeroplanAir France Flying Blue |
Chase Freedom Unlimited + Citi Double Cash No annual fees | $0 | $1,455 | Aer Lingus AerClubAir Canada AeroplanAir France Flying Blue |
Chase Freedom Unlimited + Wells Fargo Active Cash No annual fees | $0 | $1,455 | Aer Lingus AerClubAir Canada AeroplanAir France Flying Blue |
Citi Costco Anywhere + Citi Strata Premier Citi ecosystem | $95 | $1,429 | Aeromexico Club PremierAmerican Airlines AAdvantageAir France Flying Blue |
American Express Gold
American Express
$250
Annual Fee
100,000
Sign-up Bonus
N/A
Est. Value
Rewards
travel flights3x points
dining4x points
groceries4x points
travel flights (via portal)3x points
travel hotels (via portal)2x points
All other purchases1x points
$10/month Partner Restaurant Credit
$
$100 Resy Credit
$
$120 Dining Credit
$
$120 Uber Credit
$
$7/month Dunkin Donuts Credit
$
Baggage Insurance
$
Primary Rental Car Insurance
$
Trip Delay Insurance
$
American Express Platinum
American Express
$695
Annual Fee
175,000
Sign-up Bonus
N/A
Est. Value
Rewards
travel flights5x points
travel flights (via portal)5x points
travel hotels (via portal)5x points
All other purchases1x points
$100 Saks Fifth Avenue Credit
$
$15/month Uber Credit
$
$155 Walmart+ Credit
$
$199 Clear Plus Credit
$
$200 Airline Fee Credit incidentals
$
$200 Hotel Credit (through Amex Travel)
$
$240 Digital Entertainment Credit (Disney+, WSJ, ESPN+, Hulu
$
Baggage Insurance
$
Centurion Lounge Access
$
Global Entry/TSA PreCheck Credit
$
Primary Rental Car Insurance
$
Priority Pass Select Membership
$
Trip Delay Insurance
$
Capital One SavorOne
Capital One
$0
Annual Fee
20,000
Sign-up Bonus
N/A
Est. Value
Rewards
dining3x points
groceries3x points
All other purchases1x points
Extended Warranty Protection
$
No Foreign Transaction Fees
$
Purchase Protection
$
Capital One Venture X
Capital One
$395
Annual Fee
75,000
Sign-up Bonus
N/A
Est. Value
Rewards
travel flights (via portal)5x points
travel hotels (via portal)10x points
All other purchases2x points
$100 Anniversary Bonus
$
$300 Annual Travel Credit
$
Baggage Insurance
$
Capital One Lounge Access
$
Global Entry/TSA PreCheck Credit
$
Primary Rental Car Insurance
$
Priority Pass Membership
$
Trip Delay Insurance
$
Chase Freedom Unlimited
Chase
$0
Annual Fee
20,000
Sign-up Bonus
N/A
Est. Value
Rewards
dining3x points
travel flights (via portal)5x points
travel hotels (via portal)5x points
All other purchases1.5x points
Extended Warranty Protection
$
Primary Rental Car Insurance
$
Purchase Protection
$
Chase Sapphire Preferred
Chase
$95
Annual Fee
75,000
Sign-up Bonus
N/A
Est. Value
Rewards
travel flights5x points
travel hotels5x points
dining3x points
travel flights (via portal)5x points
travel hotels (via portal)5x points
All other purchases1x points
$0 foreign transaction fee
$
$50 Annual Hotel Credit
$
10% Anniversary Bonus
$
Baggage Delay Insurance
$
DoorDash $10/month Grocery Credit
$
Extended Warranty Protection
$
Primary Rental Car Insurance
$
Purchase Protection
$
Trip Delay Insurance
$
Chase Sapphire Reserve
Chase
$795
Annual Fee
100,000
Sign-up Bonus
N/A
Est. Value
Rewards
travel flights4x points
travel hotels4x points
dining3x points
travel flights (via portal)8x points
travel hotels (via portal)8x points
All other purchases1x points
$300 "Sapphire Reserve Exclusive" Dining Credit
$
$300 Annual Travel Credit
$
$500 "The Edit" Stays Credit
$
($75k+) $250 Credit "The Shop" Chase Credit
$
($75k+) $500 Southwest Credit & A List Status
$
($75k+) IHG Diamond Elite Status
$
Apple TV & Apple Music Subscription
$
Baggage Delay Insurance
$
Chase Lounge Access
$
DoorDash $20/month Grocery, $5/month Restaurant Credit
$
DoorDash DashPass Membership
$
Extended Warranty Protection
$
Global Entry/TSA PreCheck Credit
$
IHG Platinum Status
$
Lyft $10/month Credit
$
Pelaton $10/month Credit
$
Primary Rental Car Insurance
$
Priority Pass Select Membership
$
Purchase Protection
$
StubHub $300 Credit
$
Trip Delay Insurance
$
Citi Costco Anywhere
Citi
$0
Annual Fee
0
Sign-up Bonus
N/A
Est. Value
Rewards
travel flights3x points
travel hotels3x points
dining3x points
gas4x points
All other purchases1x points
2% on Costco purchases
$
Car Rental Collision Damage Waiver
$
No Foreign Transaction Fees
$
Purchase Protection
$
Roadside Assistance
$
Citi Double Cash
Citi
$0
Annual Fee
0
Sign-up Bonus
N/A
Est. Value
Rewards
All other purchases2x points
Extended Warranty Protection
$
No Foreign Transaction Fees
$
Purchase Protection
$
Citi Strata Elite
Citi
$595
Annual Fee
80,000
Sign-up Bonus
N/A
Est. Value
Rewards
dining3x points
travel flights (via portal)6x points
travel hotels (via portal)12x points
All other purchases1.5x points
$200 Annual Blacklane credit
$
$200 Annual shopping credit with partners
$
$300 Annual Hotel Credit via Portal
$
American Airlines Admirals Club Membership
$
Global Entry/TSA PreCheck Credit
$
Priority Pass Select Membership
$
Citi Strata Premier
Citi
$95
Annual Fee
60,000
Sign-up Bonus
N/A
Est. Value
Rewards
travel flights3x points
travel hotels3x points
dining3x points
groceries3x points
travel flights (via portal)3x points
travel hotels (via portal)10x points
All other purchases1x points
Baggage Insurance
$
Car Rental Collision Damage Waiver
$
Trip Cancellation & Delay Insurance
$
Wells Fargo Active Cash
Wells Fargo
$0
Annual Fee
20,000
Sign-up Bonus
N/A
Est. Value
Rewards
All other purchases2x points
Cell Phone Protection
$
Extended Warranty Protection
$
Purchase Protection
$
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Add up to 2 cards to your wallet to see your total expected annual value and optimize your rewards strategy.
💡 Tip: Use the card combinations table to find the best pairs