The Best App to Maximize Credit Card Rewards

Maximizing credit card rewards is not only easy, but very profitable. There are many ways to earn more rewards, but calculator and optimizer apps are great tools to elevate your earning strategy.

OptimizeCards launched in 2022 with a goal to provide the most simple tools to help people make data-driven decisions to:

1. choose their credit cards
2. find the perfect credit card combinations
3. optimally use their cards for maximum rewards!

We compiled 6 reasons why OptimizeCards is the best tool to earn more credit card rewards.

OptimizeCards is the best app to maximize your credit card rewards.

Knows all the rates, limits and conditions of your cards

How many of us actually read and remember the fine prints? This is actually where many credit cards can be misinterpreted. For example, the Chase Sapphire Reserve pays a sweet 5X on Air Travel… but only if you use the Chase Portal to book your flight, otherwise it only pays 3X. Or the AMEX Blue Cash Preferred pays 6% back on groceries… but only up to $6,000 a year, a limit that many people would reach.

But rest assured, you won’t need to know this anymore.

OptimizeCards tools collect all the policies, conditions, reward rates and characteristics of most consumer credit cards. It keeps them up-to-date, so you only have to worry about maximizing your earnings.

Guides you to optimally use your cards

The reward structure of credit cards can get pretty complex, to the point where you not only need to choose a credit card, but choose how to use a credit card. For example, Citi’s Custom Cash pays 5% in your highest spending category of the month. That means you only know after the fact which category will pay 5% and which one will only pay 1%. Another example is the Bank of America’s Customized Cash Rewards, which lets you choose once a month, the category in which you want to earn 3% (as opposed to 1% on the rest). When you have 2 cards or more, how to decide which card is best for a gas or a dining spending?

OptimizeCards handles those complex and dynamic bonus categories. It determines which bonus category to choose and which card to use for each category.

Runs the math for you

It’s time to get rid of spreadsheets! The best feature of calculators and optimizers is that they can try all possible combinations within seconds. These complex mathematical models will not only guarantee the maximum amount of rewards, but will find cards or ways to use your cards that you never imagined.

OptimizeCards maximizes your rewards for your spending, while handling all types of card reward structures. It takes into account cash back rates with spending limits, dynamic/rotating bonus categories, conditions on signup bonuses, and more!

Compares all credit cards apples-to-apples

For our users, we also put a lot of thought in providing the results in the most simple way. Credit card issuers don’t make this easy as cards can offer rewards in a variety of currencies: cash, Miles, Ultimate Rewards points, AMEX points, Thank You points, waivers, percent discount, etc… Comparing cards and understanding their real value starts by converting all those “currencies” into a single dollar unit.

OptimizeCards breaks down results so you can easily compare signup bonuses, cash back or points, fees and perks with a standard dollar value.

Optimizes for YOUR spending

There is no best card for everyone. To show you why, try to answer the following question. Would you rather get a card that pays 5% on groceries and 1% on all other purchases, or a card that pays a flat 2% on your total spending? Without taking into account your specific spending habits, you would not be able to answer. So let’s forget the generic “Top 10 Credit Cards” blog posts for now and let’s rather run YOUR numbers into one of the best app to maximize credit card rewards.

OptimizeCards results are based on your specific category spending and will provide the highest rewards potential, for you.

Offers customization to match your preferences

While the potential annual fee applies to all users of a credit card and is used to compute the value of the card, this is not the case for benefits and cash back. Two people might value benefits very differently because they typically require using a service. Issuers now offer Hotel credits, Uber/Lyft discounts or Free checked luggage on flights. These perks are only valuable if someone actually wants to use the service. Same goes for points and miles. They can be redeemed in many ways like airline miles, gift cards, cash , etc… Each redemption method offers a specific value that can vastly vary, between less than 0.5 to more than 3 cents per point.

OptimizeCards offers all the flexibility you need to take into account your favorite point redemption method, travel portals, points values, perk/benefits and more!

Where to Use our App?