Credit Card Optimizer

Tell us how you spend. We'll tell you which cards to use.

Methodology

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Your setup

Save your spending, cards and settings to a file — reload it here anytime, even on another device.

Monthly spending
Your cards

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Optimize for
Redemption assumptions
Your cards' fees

There's no reliable way to detect a past NAFFL promo automatically — tick a card if you already know its fee is waived, and every figure on this page will treat it as ₱0.

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