Credit Card Rewards Optimizer Tool

Calculates potential rewards strategies based on a user's spending habits and current credit card portfolio. The tool analyzes various combinations of cards, calculating which combination maximizes points accumulation or cash back return for typical monthly expenditures. Users input their general spending categories and associated amounts, and the system models how different reward structures—such as travel credits versus cashback percentages—will perform against those inputs to suggest an optimized usage plan. Individuals managing multiple credit cards or planning large purchases can utilize this resource to streamline their financial strategy. It helps users understand if they are maximizing the value of their existing card benefits or if switching strategies could yield a better return.