Modelled on $9,420/mo ($113,040/yr), every dollar routed to your best card with caps and this year's rotating calendar, at travel valuations. Credits weighted by how realistic they are to use (realistic).
$3,673
rewards
$450
credits
−$344
fees
$3,779
net per year · 3.34% of spend
Per card
| Card | Spend routed | Rewards | Credits | Fee | Net | If cancelled |
|---|---|---|---|---|---|---|
| Costco Anywhere Visa | $9,600 | $294 | $0 | −$0 | $294 | lose $6 |
| Prime Visa | $12,000 | $600 | $0 | −$0 | $600 | lose $240 |
| Apple | $0 | $0 | $0 | −$0 | $0 | lose $0 |
| AAdvantage Platinum Select | $12,000 | $396 | $38 | −$99 | $334 | gain $26 |
| Freedom Unlimited | $2,400 | $72 | $0 | −$0 | $72 | lose $0 |
| Marriott Bonvoy Boundless | $0 | $0 | $100 | −$95 | $5 | lose $5 |
| United Explorer | $0 | $0 | $312 | −$150 | $162 | lose $162 |
| Robinhood Gold | $77,040 | $2,311 | $0 | −$0 | $2,311 | lose $951 |
"If cancelled" is the wallet-wide change: spend on that card moves to your next-best card, and its fee and credits go away. A card showing gain costs you more than it earns.
Where each dollar goes
| Amazon.com $1,000/mo | Prime Visa $12,000/yr at 5% → $600 |
| Clothing & apparel $200/mo | Robinhood Gold $2,400/yr at 3% → $72 |
| Cruises $200/mo | Costco Anywhere Visa $2,400/yr at 3% → $72 |
| Dining & restaurants $1,000/mo | AAdvantage Platinum Select $12,000/yr at 3.3% → $396 |
| Drugstores & pharmacies $200/mo | Freedom Unlimited $2,400/yr at 3% → $72 |
| Electronics stores $300/mo | Robinhood Gold $3,600/yr at 3% → $108 |
| Entertainment $100/mo | Robinhood Gold $1,200/yr at 3% → $36 |
| EV charging $50/mo | Costco Anywhere Visa $600/yr at 4% → $24 |
| Gyms & fitness $100/mo | Robinhood Gold $1,200/yr at 3% → $36 |
| Airfare (booked direct) $200/mo | Costco Anywhere Visa $2,400/yr at 3% → $72 |
| Furniture & home furnishings $200/mo | Robinhood Gold $2,400/yr at 3% → $72 |
| Groceries (supermarkets) $1,000/mo | Robinhood Gold $12,000/yr at 3% → $360 |
| Home improvement $200/mo | Robinhood Gold $2,400/yr at 3% → $72 |
| Insurance $500/mo | Robinhood Gold $6,000/yr at 3% → $180 |
| Medical & dental $300/mo | Robinhood Gold $3,600/yr at 3% → $108 |
| Mortgage $1,700/mo | Robinhood Gold $20,400/yr at 3% → $612 |
| Office supplies $50/mo | Robinhood Gold $600/yr at 3% → $18 |
| Parking & tolls $50/mo | Costco Anywhere Visa $600/yr at 3% → $18 |
| PayPal checkout $100/mo | Robinhood Gold $1,200/yr at 3% → $36 |
| Pet stores & vets $200/mo | Robinhood Gold $2,400/yr at 3% → $72 |
| Phone, internet, cable $120/mo | Robinhood Gold $1,440/yr at 3% → $43 |
| Sporting goods $100/mo | Robinhood Gold $1,200/yr at 3% → $36 |
| Streaming services $100/mo | Robinhood Gold $1,200/yr at 3% → $36 |
| Tax payments $300/mo | Robinhood Gold $3,600/yr at 3% → $108 |
| Travel (general) $300/mo | Costco Anywhere Visa $3,600/yr at 3% → $108 |
| Utilities $250/mo | Robinhood Gold $3,000/yr at 3% → $90 |
| Wholesale clubs $600/mo | Robinhood Gold $7,200/yr at 3% → $216 |