Stop Leaving MoneyOn the Table.
Put your monthly expenditures in and let our credit card strategy engine calculate the absolute best combination of cards for your unique spending profile. Maximize travel points and cashback instantly.
Interactive Strategy Sandbox
Drag sliders to recalculate your dynamic card yields instantly.
Estimated Net Annual Boost
+$0Your Recommended Strategy Stack
Chase Freedom Flex
American Express Gold Card
Capital One Venture X
The Smart Way to Manage Wallet Assets
Most people put all transactions on a single default card, leaving hundreds of dollars in loyalty value behind. PointsMax aligns card perks and category multipliers to unlock optimal returns.
Optimal Combinations
We check thousands of credit card combinations across cash-back and travel reward programs to find the optimal 2 or 3 cards matching your specific category spends.
Net Value Optimization
We verify annual fee overhead costs. If a card with a $250 fee earns you $600 more in perks and rewards, it stays. Otherwise, it is systematically filtered out.
Compliance & Rules
Your strategy is calculated in alignment with strict issuer rules like Chase 5/24, Amex lifetime terms, and spacing intervals to ensure application approvals.
Curated High-Yield Synergies
Scroll down to see how our engine fans out cards and structures category mappings to maximize your points yield.
The Dining Maximizer
Routes all grocery and restaurant spending to score 4x reward points. Increases cash baseline yield by 300%.
The Travel Gateway
Unlocks premium travel transfer portals, boosting points redemption valuation to 1.5¢ - 2.0¢ per point.
The Catch-All Net
Catches all other unmapped miscellaneous categories at a flat 2% cash return. Zero annual fees, pure bottom-line value.
High-Fidelity Application Roadmaps
Applying for credit cards is a timing game. PointsMax outputs a chronological roadmap scheduling applications months apart to verify application compliance, maximize approval odds, and hit spend targets without financial stress.
Ready to See Your Personalized Stack?
Enter your monthly grocery, dining, travel, gas, and catch-all spend to get an immediate, detailed recommendation. Free, private, and instant.
Frequently Asked Questions
What is PointsMax?+
PointsMax is a free tool that analyzes your monthly spending across categories like dining, groceries, gas, and travel, then estimates which combination of 2–3 credit cards would earn you the most rewards.
Is PointsMax free to use?+
Yes. You can enter your spending and get a full optimized recommendation at no cost. PointsMax earns commissions when you choose to apply for a card through our links, which keeps the tool free.
How does PointsMax decide which cards to recommend?+
It calculates the rewards each card earns on your specific spending (including category multipliers, point valuations, annual fees, and perks), then searches combinations of cards to find the wallet with the highest net value. You can optimize for ongoing value or for first-year value including signup bonuses.
What is the Chase 5/24 rule, and does PointsMax account for it?+
Chase generally will not approve you for most of its cards if you have opened five or more personal credit cards from any issuer in the past 24 months. PointsMax factors this in and can schedule recommended applications around your 5/24 status.
Are the rewards rates and signup bonuses up to date?+
We work to keep card details current, but rewards rates, fees, and signup bonuses change frequently and may be incomplete or out of date. Always verify the latest terms directly with the card issuer before applying.
Does PointsMax provide financial advice?+
No. PointsMax is an informational and educational tool, not a financial, tax, or credit advisor. You are responsible for your own decisions and should consult a qualified professional where appropriate.
Is my financial information safe?+
PointsMax only collects the spending categories and card preferences you enter — never full card numbers or bank credentials. Your data is stored securely and is accessible only to your authenticated account. See our Privacy Policy for details.