Free Tools
Free calculators and reference pages built with the same accuracy-first approach as our paid optimizer. The calculators need no signup - saving your inputs takes a free account.
In the app
Which Card?
Answers "which card should I use for this purchase" from your own wallet: the card whose rewards are worth the most on the purchase, not just the biggest multiplier - including any grandfathered rate you still hold. Sync a card and the answer also reflects the category caps you have already used. Free with an account; enter cards by hand or connect a bank.
Create a free accountLive
Earning Cap Calculator
Bonus-category caps end your 6% or 5x rate mid-year. See the exact line where your rate really stops and what believing the headline costs you.
Open toolLive
Bilt Cash Value Calculator
See what your Bilt Cash is actually worth based on your lifestyle. $300 of Bilt Cash isn't the same as $300 of value - this tool tells you the real number.
Open toolLive
Rotating 5% Categories Calendar
This quarter's and next quarter's rotating 5% categories, each dated by when we verified it against the issuer's own terms.
Open toolLive
Current Transfer Bonuses
Points transfer bonuses running now and starting soon, with the standard ratio, the ratio with the bonus and the last day.
Open toolMore tools coming. Our paid optimizer covers the broader portfolio (50+ programs, 125+ transfer partnerships, full card recommendations). See plans.