Card Combination Comparator
Set your annual spend, choose how you book and redeem, then build a wallet by selecting cards. We route each category to your best card, net out fees and the credits you’ll actually use, and rank the combinations.
Your spending
Annual spend by category, plus how you book and redeem.
How much of each card’s credits you’ll actually use.
Build your wallet
Select cards to add or remove. We pick the best card per category automatically.
What to swipe
Best card for each category.
| Category | Card | Rate | Value |
|---|---|---|---|
| Dining | Amex Gold | 4x | $640 |
| Groceries | Amex Gold | 4x | $115 |
| Flights | Amex Gold | 3x | $288 |
| Hotels | Capital One Venture X | 2x | $56 |
| Car rental | Capital One Venture X | 2x | $28 |
| Everyday / other | Capital One Venture X | 2x | $308 |
Combinations, ranked
Computed live for your settings. Select any to load it into the builder.
Lounge access
Airport lounge networks and 2026 guest rules for your wallet.
- Capital One Venture X0 free guests
Since Feb 2026: no free guests by default. Cap One Lounge guests $45 ($25 under 18); Priority Pass guests $35. Spend $75k/yr to unlock 2 free Cap One Lounge guests.
Authorized-user lounge access: $125/yr each.
Airlines & transfer partners
Where your points can fly, and how to reach the airlines you book.
Where your points can transfer (21)
| Airline | Alliance | Transfer from |
|---|---|---|
| Aeromexico | SkyTeam | Capital One Miles 1:1Membership Rewards 1:1.6 |
| Air Canada | Star Alliance | Capital One Miles 1:1Membership Rewards 1:1 |
| Air France | SkyTeam | Capital One Miles 1:1Membership Rewards 1:1 |
| ANA | Star Alliance | Membership Rewards 1:1 |
| Avianca | Star Alliance | Capital One Miles 1:1Membership Rewards 1:1 |
| British Airways | Oneworld | Capital One Miles 1:1Membership Rewards 1:1 |
| Cathay Pacific | Oneworld | Capital One Miles 1:1Membership Rewards 1:0.8 |
| Delta Air Lines | SkyTeam | Membership Rewards 1:1 |
| Etihad Airways | No alliance | Capital One Miles 1:1 |
| Finnair | Oneworld | Capital One Miles 1:1 |
| Iberia | Oneworld | Membership Rewards 1:1 |
| Qantas | Oneworld | Capital One Miles 1:1Membership Rewards 1:1 |
| Qatar Airways | Oneworld | Capital One Miles 1:1Membership Rewards 1:1 |
| Singapore Airlines | Star Alliance | Capital One Miles 1:1Membership Rewards 1:1 |
| TAP Air Portugal | Star Alliance | Capital One Miles 1:1 |
| Turkish Airlines | Star Alliance | Capital One Miles 1:1 |
| Virgin Atlantic | SkyTeam | Membership Rewards 1:1 |
| Emirates | No alliance | Capital One Miles 1:0.75Membership Rewards 1:0.8 |
| JetBlue | No alliance | Capital One Miles 1:0.6Membership Rewards 1:0.8 |
| EVA Air | Star Alliance | Capital One Miles 1:0.75 |
| Japan Airlines | Oneworld | Capital One Miles 1:0.75 |
Saved scenarios
Save the current spend, settings and wallet to this browser, then reload it anytime.
No saved scenarios yet. Saved setups stay in this browser.