Which card should I use?
Every card in your wallet, ranked for each purchase. Credits included.
- 1Add your cards once
- 2Type where you're paying
- 3Pay with the top card
Demo wallet · Issuer rates, checked October 11, 2026 · Points at 1.0¢
Make every card pay for itself.
- $27 a month
- in Amex Gold monthly credits
- To the day
- countdown for every credit
- First in line
- the card whose credit covers the store
- Chase Sapphire Reserve$433 of $795Next: use your $15 DoorDash Restaurant Promo
- Capital One Venture X$7 of $395Next: use your $300 Capital One Travel Credit
- Amex Gold$327 of $325 · paid for itself
View as table
| Card | Credits used | Rewards | Still available | Annual fee |
|---|---|---|---|---|
| Chase Sapphire Reserve | $430.00 | $2.78 | $65 | $795 |
| Capital One Venture X | $0.00 | $7.10 | $300 | $395 |
| Amex Gold | $315.00 | $11.93 | $61 | $325 |
The right card, every time, adds up.
Compared with the best single card in the same wallet.
View as table
| Date | Best card every time | 2% cash back card |
|---|---|---|
| Aug 23 | $1.70 | $1.70 |
| Aug 25 | $2.09 | $2.09 |
| Aug 27 | $6.14 | $4.11 |
| Aug 29 | $7.11 | $5.09 |
| Sep 1 | $7.67 | $5.64 |
| Sep 3 | $8.63 | $6.12 |
| Sep 7 | $9.83 | $7.32 |
| Sep 9 | $10.72 | $8.21 |
| Sep 11 | $13.60 | $9.65 |
| Sep 16 | $16.44 | $12.49 |
| Sep 18 | $19.09 | $15.13 |
| Sep 21 | $19.38 | $15.28 |
| Sep 23 | $21.90 | $17.81 |
| Sep 24 | $22.21 | $18.12 |
| Sep 26 | $22.99 | $18.89 |
| Sep 27 | $25.33 | $20.06 |
| Sep 29 | $25.57 | $20.30 |
| Sep 30 | $26.86 | $21.60 |
| Oct 2 | $30.65 | $23.49 |
| Oct 3 | $31.32 | $23.83 |
| Oct 6 | $33.03 | $25.53 |
| Oct 7 | $33.85 | $26.36 |
| Oct 9 | $37.30 | $28.08 |
| Oct 10 | $38.03 | $28.45 |
What every purchase earned.
And what a better card would have.
Demo wallet, last 7 weeks
Where the numbers come from.
- Reward rates
Issuer terms, checked .
- Point values
1.0¢ per point by default. Set your own per card.
- Credits
Issuer terms. Annual credits reset Dec 31.
- Rankings
Cents earned per dollar. A credit that covers the store goes first.
- Limits
Estimates. Your issuer decides each purchase's category.
Your data.
No bank login
You add cards by hand.
No card numbers
Last four digits at most, if you choose.
Never sold
Shared only with Supabase, Vercel and Resend, to run Clavis.
Unknown cards
Only the card's name goes to Claude (Anthropic) to look up rates.
Delete anytime
Removes your cards, credits, purchases and settings.
Card links
Some issuer links pay us a commission. Rankings ignore it.
Full details: privacy policy
Start getting more from every purchase.
Free · No bank login