Build a Card Spending Plan in 30 Minutes
List your monthly spending by category, list your cards' earn rates, and assign each category to a card. A worked example and template included.
Spending plans
Build a plan that assigns each spending category to the right card.
Flat-Rate or Category Cards for Everything Else Spend
Find the break-even between one simple flat-rate card and juggling bonus categories, using your own spending rather than a rule of thumb.
One, Two or Three Cards: How Many Your Spending Needs
Find the point where another card stops adding enough value, worked from your own spending plan. Most households need fewer cards than they think.
Rotating 5% Categories: Worth Tracking for Your Spend?
Activation, quarterly caps and changing categories: what a rotating 5% card really earns at your spending level, and when it isn't worth the effort.