The brief

Build your maximization strategy.

Tell us what is in your wallet and how you travel. Ranges are fine — not sure? Pick the closest option and we'll handle the rest. The more specific you are, the sharper the plan.

New to points? You're exactly who this is for. No jargon, no pressure, no obligation to open anything.

Monthly spend by category

Pick the range that's closest — no need to look anything up. We use this to weight category multipliers (the bonus points cards give for things like dining or groceries).

Estimated monthly total: ~$0

Current credit cards

Add each card you currently hold. Tenure helps inform retention and application timing.

Loyalty programs, status & balances (optional)

Skip if you don't have any — beginners often don't, and that's fine. Add the airlines, hotels, or flexible-points programs you actively use.

Nothing is stored. Each strategy is generated fresh from what you enter and discarded after. Educational planning, not financial advice.