card-optimizer

What it does

Recommends the optimal credit card for each purchase category based on reward rates, spending caps, and network acceptance. Tracks annual fee ROI, manages rotating quarterly category activations, and identifies portfolio gaps using estimated monthly spending.

Why it's useful

Unlike static comparison sites, it factors in your actual card portfolio, per-category spending caps, and estimated monthly spend to warn you when a cap will be exhausted and what to switch to after.