My Wallet
Your cards, and the best one for every purchase
Add the cards you carry and Cardocrat shows the single best card to reach for in every spending category, suggests pre-built combos that stack without overlap, and powers your Personal Tracker for statement credits, fee renewals, welcome bonuses, and points. Free, and saved right in your browser. Create a free account to sync your wallet and tracker across every device.
Cards in your wallet
0
Total annual fees
$0
what your wallet costs per year
Best everyday card
None yet
Bonus categories covered
0
of 6 spending categories
Credits to use
What is still unused on your cards this period, soonest to expire first. Tracking only: credits never count toward your wallet's value.
Your year so far
Rewards are estimated from your spending; credits are the ones you have checked off.
How to use your wallet
The card that earns the most in each category, valued at a flat 1¢ per point.
Where you could earn more
Cards you do not hold that beat your wallet's best rate in a category. Adding one would maximize that category.
Your benefits & credits
Every perk beyond cash back, labeled by card. Overlaps mean two cards give you the same thing.
How this is calculated: we compare the earn rate of every card in your wallet for each category and value all points and miles at a flat 1¢ each, the same honest standard as our methodology. Your percent back and every dollar figure are ongoing rewards only, on the spending you entered; statement credits and perks are never counted. Your wallet is stored in this browser, or synced to your account if you sign in.