The catalog
104 cards we track.
Every offer links to its source and the date it was checked: 72 issuer and editorial sources.
From 104 cards to your next one.
Follow one wallet through the engine, or change it and watch the engine re-plan. Every number here is the engine’s own output.
Example walletChange anything; the engine re-plans.
- Venture
- Double Cash
- Amex Gold
Monthly card spend
Open to business cards
Planned at $1,750 a month, the middle of the range. Good credit.
The rules
17 fit this wallet.
The other 87 are out, each for a reason you can see.
33 bank rules, each sourced and dated, like Chase 5/24 ↗. Hover any card for its reason.
The math
What each bonus is worth.
Points × what a point is worth. If your spend only just covers a card’s minimum, your plan says so, and the call is yours.
Point values: Frequent Miler ↗, Oct 8, 2026. Annual fees are shown on every card, not subtracted.
The timing
When to open each.
At most one new card a quarter, in the order worth the most by 2031, without breaking a bank rule.
Each step is a card’s bonus landing. Each band is one program: the points you’d have × what a point is worth.
Everyday spending: $1,750 a month at 1–1.75 points per dollar. The plan shown is the best of 47,495 orders scored, keeping the top 96 at each step.
The proof
Why this order.
The plan worth the most by 2031 wins. When plans are worth the same, the biggest bonus goes first, so you get the money sooner. The exception is Chase: Chase says no once you’ve opened 5 cards in 2 years, so its cards go while you still have room.
Why Sapphire Preferred first, not…
- Freedom Unlimited Same by 2031, but $475 less in your first year
- Venture X Same money, but it uses 1 of your 4 Chase openings
- Strata Premier Same money, but it uses 1 of your 4 Chase openings
- Bilt Palladium Same money, but it uses 1 of your 4 Chase openings
Every start here ends with $7,038 in bonuses by 2031; the order decides how soon. Compared: the best plan starting with each of the 10 most valuable cards that fit.
Your plan
1 card to open now.
Sapphire Preferred: 75K points (about $1,125) after $5,000 in 3 months, $95 a year. Plus a backup, one to hold off on, and every step after it, with dates.
What it can’t know
Whether a bank will approve you, or offers sent only to you.
Never
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Runs on your device
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