First class for less
Spend map: which of your cards to tap
One tap per card you hold. We rank only those cards for groceries, dining, travel, gas and online shopping using published earn rates — then remember your list on this device.
Free. Names only. No card numbers, no bank login, nothing leaves your phone. Same on-device pattern as My wallet.
1. Tap the cards you hold
Toggle on/off. Your list saves automatically in this browser (localStorage). Clear anytime.
Tap at least one card above — then we show which of yours to use in each category.
2. Use this card for…
Highest published multiplier among the cards you selected. Caps, portal-only rates and MCC quirks are noted under each pick.
Open the app — rank where your points go →
Already earned the points? Which balance to spend first · Points vs cash · Live transfer bonuses
Sources & honesty rules
Rates below are the issuers’ published category earn rates as of our Oct 5, 2026 check. Issuers change terms; merchant category codes can miscode; caps and “via our travel portal” rates matter. Always confirm on your card’s benefits page before you rely on a multiplier. This is not financial advice and not a credit-card application funnel — we never ask for a card number or login.
- American Express Gold Card — 4x restaurants (to $50k/yr), 4x U.S. supermarkets (to $25k/yr), 3x flights, 5x prepaid hotels via Amex Travel, 1x else.
- Chase Sapphire Preferred — 5x Chase Travel, 3x dining / online grocery / gas & EV / select streaming, 2x other travel, 1x else.
- Chase Sapphire Reserve — 8x Chase Travel, 4x flights & hotels booked direct, 3x dining, 1x else (issuer + reporting summaries, e.g. TPG CSR vs Venture X).
- Capital One Venture — 5x eligible Capital One Travel purchases, 2x everywhere else.
- Capital One Venture X — 10x hotels & rental cars via Capital One Travel, 5x flights & vacation rentals via portal, 2x else.
- Citi Strata Premier (Premier rebrand) — 10x Citi Travel hotels/cars/attractions, 3x air & other hotels, 3x restaurants, 3x supermarkets, 3x gas & EV, 1x else.
- Bilt Obsidian / offer terms — 3x dining or grocery (pick one; grocery capped), 2x travel, Bilt Travel portal bumps; Blue/Palladium differ.
- Wells Fargo Autograph — 3x travel, transit, gas, dining, phone plans, select streaming; 1x else.
Updated October 5, 2026. MaxUrPoints is independent and not affiliated with these issuers.