Free Tool
Missed Rewards Calculator
Using a flat-rate card for everything? Enter your monthly spending below to see how much more you could earn with the right card for each category.
¢
🍽 Dining & Restaurants
Best: 4x — Amex Gold
$
🛒 Groceries
Best: 4x — Amex Gold
$
✈️ Travel
Best: 5x — Amex Platinum / CSR
$
⛽ Gas & EV
Best: 3x — Various
$
📺 Streaming
Best: 4x — Amex Gold
$
🛍️ Online Shopping
Best: 5x — Portals + bonus cards
$
🏠 Rent
Best: 1x — Bilt Mastercard
$
💳 Everything Else
Best: 2x — Flat-rate card
$
Annual Spending
$0
Current Earnings
0 pts
Optimal Earnings
0 pts
You're Missing
0 pts
Enter your monthly spending above to see results
Breakdown by Category
Guide
Best 3-Card Setup for 2026
Maximize every category with just three cards.
Feature
Best Card Recommendations
CardStack picks the optimal card for every merchant.
Feature
Spending Analysis
See where your money goes and how to optimize it.
Earn rates are based on publicly available card data as of 2026 and may vary. Actual rewards depend on card terms, caps, and bonus structures. This calculator is for illustrative purposes only.