Purchase optimizer
What should I use for this purchase?
Compare the published earning multipliers of the cards you actually hold. The tool ranks earning—not prestige, welcome offers or speculative value.
Cards to compare
Multiplier first, then judgment.
A 5× category is not automatically better than 4× in a currency you value more. Merchant coding, caps, portal pricing, protections and transfer options can change the best real-world choice. Centurion is intentionally not assigned a public earning multiplier where Amex does not publish one in the reviewed public terms.
Keep your card list current
Add or remove cards once in Card Wallet. This optimizer can preload that list instantly.
Open Card Wallet →Then measure real value
Use Benefits Tracker and Annual-fee ROI to decide whether the card earns enough value to justify keeping.
Open Benefits Tracker →