Best US Credit Card Rewards Optimizer | Cashback & Bonus Tool

How to Use the Credit Card Rewards Optimizer (US Edition)

Maximize Your Rewards in 3 Easy Steps

Looking to earn more from your credit card every month? The Credit Card Rewards Optimizer – US Edition is a free and private tool to help you pick the best card based on your real-world spending.

Here’s how to use it:

Choose Your U.S. State
Select your state to load real-time income data from the U.S. Census Bureau. This helps estimate which cards offer the most value in your location.

Enter Your Monthly Spending
Fill in your average monthly spending in key categories like groceries, gas, dining, travel, and other expenses. The tool calculates which card gives you the most back.

Adjust the Point Value Slider
Want to see how rewards change if you redeem for travel instead of cash back? Move the slider to increase the value per point (e.g., 1.5¢ per point for flights).

View Results Instantly
The tool shows the best card based on your numbers, estimates your monthly rewards, and even displays current signup bonuses if available.

Share or Screenshot Your Result
You can share your reward outcome on Twitter or Facebook with one click—no login required!

This tool is perfect for U.S. residents looking to stop guessing and start earning smarter with credit cards. Whether you're focused on cashback, travel rewards, or signup bonuses—this tool has your back, with no sign-ups, no ads, and 100% real-time insights.