Credit Card Rewards Optimiser
Enter your monthly spend by category and see exactly how much you're leaving on the table — plus the best card to fix it.
Are you looking for a business or personal card?
Business cards often have higher limits and bonuses optimised for business spend.
The Gap Is Real
Business owners on a 1% card spending $30K/month typically leave $8,000–$12,000/year in rewards on the table versus a optimised card stack.
Transfer Partners
Chase UR and Amex MR points are worth most when transferred to airline partners like United, Hyatt, or British Airways — not redeemed as cash.
Business vs Personal
Business cards keep spending separate for tax purposes, often carry higher limits, and have bonuses designed for categories like shipping and advertising.
Amex Gold Auto-Optimises
The Amex Business Gold automatically awards 4x on whichever two categories you spend most in each month — no tracking required.
Frequently Asked Questions
How accurate is this calculator?
The rewards values use conservative redemption estimates: Chase Ultimate Rewards and Amex Membership Rewards at 1.8¢ per point (transfer partner value), Capital One Miles at 1.5¢, and cash back at face value. Actual value varies based on how you redeem — transferring to airline partners typically unlocks the highest value.
Why is my current 1% card so much worse?
A 1% flat card earns 1 cent per dollar spent. Premium travel cards earn 1.5–5x points worth 1.5–1.8¢ each, effectively giving you 2.7–9¢ per dollar in travel value on top categories. On $30,000/month of business spend, that gap can easily exceed $10,000 per year.
What are Chase Ultimate Rewards points worth?
Chase UR points are worth 1¢ each as cash back, 1.25–1.5¢ via the Chase travel portal, and typically 1.5–2¢+ when transferred to airline partners like United, Southwest, British Airways, Air France, or hotel partners like Hyatt. This calculator uses a conservative 1.8¢ average for travel redemptions.
What makes Amex Business Gold special?
The Amex Business Gold automatically gives 4x points on whichever two categories you spend the most in each month — from travel, dining, gas, advertising, shipping, and internet/phone. This means it self-optimises for your actual spending patterns without you having to think about it.
Should business owners get business or personal cards?
Both, ideally. Business cards keep spending separate (important for accounting and taxes), often have higher limits, and have category bonuses optimised for business spend. Personal cards can complement them — for example, an Amex Gold for dining, paired with a Chase Ink for business categories.
What is the best credit card for a business spending $20,000+ per month?
For high-spend businesses, the Chase Ink Business Preferred or Amex Business Gold are typically top picks. At $20K+/month, the category bonuses vastly outweigh annual fees. A combined Chase + Amex strategy — splitting spend across both issuers — often yields the highest total rewards.
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