Rewards Optimizer

Reward programs are designed to be confusing so most value goes unclaimed. This cuts through it: given the cards and programs you actually have, it tells you the best one to use for a specific purchase or builds a simple by-category cheat-sheet for everyday spending — while keeping the golden rule front and center: rewards are only worth it if you pay in full and don't spend more to earn them.

What This Skill Produces

• The best route for this spend — which of your cards/programs earns most for the specific purchase or category
• An everyday cheat-sheet — a simple "use card X for groceries, Y for dining, Z for everything else" map
• Redemption tips — how to get the most value when cashing in (transfer partners, statement credit vs travel, avoiding devaluation)
• Guardrails — pay-in-full always, don't chase sign-ups into debt, keep it simple enough to actually follow
• A "worth it?" check — when an annual fee or a new card does or doesn't pay off for your spending

Required Inputs