Credit Card Points Maximizer - Calculate Optimal Spending Strategy for Maximum Rewards

Credit Card Points Maximizer

Smart calculator with API integration that helps you maximize credit card rewards by determining which card to use for different spending categories.

MCC API Ready

Categories Ready

CardData API: Add Key

API Configuration

CardData API

Optional

Fetch real card details, rewards categories, and annual fees. Free tier: 500 requests/month.

RapidAPI Key

Get free key at RapidAPI.com

MCC & Categories

Ready

Use MCC codes to identify spending patterns and maximize category bonuses.

Built-in MCC database

Plaid category mapping

Your Credit Cards

Select Your Cards

Add Custom Card

Card Name

Annual Fee ($)

Card Issuer Color

Monthly Spending

MCC Lookup Tool

Find the Merchant Category Code for any purchase

Total Monthly Spend

$0

Optimization Settings

Redemption Goals

Primary GoalMaximize Travel PointsMaximize Cash BackFlexible PointsSpecific Redemption

Point Valuation (cents per point)

0.5¢1.5¢3.0¢

Fee Tolerance

Max Annual Fee Willing to Pay

$

Wallet Simplicity

Minimal CardsMax Optimization

Optimization Results

API Data Sources

0 requests

• MCC Categories: 45+ codes
• Plaid Categories: 6 mapped
• CardData API: Not configured

Click "Calculate Optimal Strategy" to see your personalized recommendations

Recommended Spending Allocation

Spending Category

Pro Tips

• Use MCC codes to verify bonus category eligibility
• Always meet minimum spend for sign-up bonuses within timeframe
• Transfer points to airline partners for maximum value
• Track 5/24 rule if applying for Chase cards
• Check MCC before large purchases to maximize points

Buy me a coffee

This calculator provides recommendations only. Always review your credit card terms.

Made with for points enthusiasts | Compatible with all modern browsers