Credit Card Optimization & Wallet Analysis

Understand how your wallet actually performs.

Analyze real spending patterns, compare actual versus optimized rewards, identify category gaps, and discover cards that improve your overall wallet strategy based on how you spend.

Analyze My Wallet Explore The Engine
Actual vs Optimized Analysis Incremental Wallet Lift Engine Personalized Card-Fit Recommendations
Denarius Command Terminal

Run the optimizer with structured commands.

The optimizer is a collection of tools working together to help you understand and improve your wallet. Dive deep into optimization through each section independently, or be done in seconds by entering rough spending estimates into the Spending section or directly through Denarius.

Recommendation Preview

Run the optimizer to see recommendations.

Add wallet and spending inputs to reveal your highest-fit card opportunities.

Wallet Verdict

Run the optimizer to unlock your wallet verdict.

Research & Insights

Data-driven breakdowns of how credit cards actually perform in real-world scenarios.

Explore all insights →
Credit Card Decision Workspace

Build, test, and optimize your card strategy.

Move through each workspace to model your wallet, analyze spending, evaluate perks, compare performance, review category coverage, and understand interest risk.

Wallet Architecture

Build a wallet
that works as a
system

Most people add credit cards one at a time without understanding how those cards work together. Strong wallets are built as systems, with each card serving a distinct role while minimizing overlap and covering the spending categories that matter most.

01 Whether you are evaluating your current wallet, comparing a setup you have been considering, or starting with no cards at all, Denarya can model the rewards economics, identify coverage gaps, and recommend cards aligned with your spending behavior.

Wallet snapshot Waiting for cards
0 Active cards
Dining —
Groceries —
Travel —
Gas —
Amazon —
Streaming —
Other —
Add cards below to generate a live view of coverage, overlap, fees, credits, and optimization potential.

Optimizer Assumptions

Include special category cards that require user choice, rotating categories, or top-category assumptions.

Leave this off if you want cleaner, fixed-category optimization only.
Card 1
Card Economics
Annual Fee
Annual Credits
Net Fixed Cost $0
How this card really works
Select a card to see where the headline reward rates actually apply, what restrictions matter, and where the catch is.
Dining
Groceries
Travel
Gas
Amazon
Streaming
Other
Card 2
Card Economics
Annual Fee
Annual Credits
Net Fixed Cost $0
How this card really works
Select a card to see where the headline reward rates actually apply, what restrictions matter, and where the catch is.
Dining
Groceries
Travel
Gas
Amazon
Streaming
Other
Card 3
Card Economics
Annual Fee
Annual Credits
Net Fixed Cost $0
How this card really works
Select a card to see where the headline reward rates actually apply, what restrictions matter, and where the catch is.
Dining
Groceries
Travel
Gas
Amazon
Streaming
Other
Card 4
Card Economics
Annual Fee
Annual Credits
Net Fixed Cost $0
How this card really works
Select a card to see where the headline reward rates actually apply, what restrictions matter, and where the catch is.
Dining
Groceries
Travel
Gas
Amazon
Streaming
Other
Card 5
Card Economics
Annual Fee
Annual Credits
Net Fixed Cost $0
How this card really works
Select a card to see where the headline reward rates actually apply, what restrictions matter, and where the catch is.
Dining
Groceries
Travel
Gas
Amazon
Streaming
Other
+
Add Card
Spending & Uploads

Turn spending data into a smarter wallet strategy

Enter estimated spending or upload statements to build a spending profile. Denarya analyzes category behavior, existing card performance, and reward opportunities before generating recommendations.

02 Once spending is categorized, the engine evaluates wallet efficiency, identifies underperforming cards, measures optimization potential, and highlights where new cards could create meaningful value.

Spending allocation Awaiting inputs
$0 Annual spend
Dining $0
Groceries $0
Travel $0
Gas $0
Amazon $0
Streaming $0
Other $0
Add spending below to turn this allocation view into live wallet routing intelligence.

Monthly Spending

Enter estimates for cards that do not have uploaded statements.

Core rewards assumption used across the entire calculator.
Points are converted into cash value using this assumption.
Select cards in your wallet to enter manual spending estimates.

Analyze Your Spending

Upload statements directly into the card they belong to and Denarya will combine them into a single wallet view. CSV exports are the most reliable format across issuers. PDF uploads are currently optimized for American Express and Chase statements and may not parse correctly for all banks.

No files uploaded yet.
Select cards in your wallet to unlock card-specific CSV upload zones.
Card Economics

Separate advertised perks from real-world value

Credit card issuers promote welcome offers, travel credits, lounge access, elite status benefits, and partner perks. The challenge is determining which benefits you'll actually use and which simply look attractive on paper.

03 Denarya reviews credits, benefits, and welcome offers in the context of your spending habits so recommendations prioritize usable value rather than marketing claims alone.

Wallet economics Awaiting wallet data
Welcome offer value — Estimated from selected cards and point-value assumptions
Annual fees —
Credits used —
Net fixed cost —
First-year value —
Add cards below to evaluate annual fees, usable credits, welcome-offer value, and realistic long-term wallet economics.
Select cards in your wallet to review annual fees, listed credits, actual perk usage, and welcome-offer progress.
Optimization Engine

See how your wallet performs as a complete system

Credit card optimization is more than finding a high-earning card. Denarya analyzes how your cards work together, where rewards are being lost, which categories underperform, and how alternative wallet configurations could improve overall results.

04 The engine measures actual versus optimized performance, identifies reward leakage, explains wallet strengths and weaknesses, quantifies potential lift, and justifies every recommendation through spending-based analysis.

Optimization snapshot Awaiting analysis
Current wallet $0
Optimized wallet $0
Potential annual lift +$0
Top recommendation Best incremental fit
—

Run the optimizer below to identify the strongest wallet-improvement opportunity based on spending behavior, routing efficiency, and incremental value.

Results update dynamically as wallet structure, spending inputs, and point-value assumptions change.
Points Value Assumption

How much are your points actually worth?

Your selected point value changes how the calculator treats cashback, points cards, and travel-redemption strategies.

View point value guide
0.6¢: Statement credits — simplest, lowest value.
0.7¢: Checkout redemptions and Pay with Points.
1.0¢: Gift cards or baseline issuer value.
1.5–2.0¢: Travel portals or solid transfer usage.
2.5¢+: Optimized transfers, premium cabins, deal-hunting.

Actual Wallet

Your current rewards based on how your selected cards are actually being used.

Annual Rewards
$0
Real usage across your current setup.
Spend$0
Rewards$0
Fees$0
Credits Used$0
Net Value$0
Return0.0%
Category Performance
Upload statements to see breakdown.

Optimized Usage

What your selected cards could earn if each category went to the best card you already picked.

Optimized Rewards
$0
Same wallet, cleaner routing.
Spend$0
Rewards$0
Fees$0
Credits Used$0
Net Value$0
Return0.0%
Best Routing
Select cards to simulate optimized usage.

Best Fit Cards

Outside cards that may better match your spending pattern, redemption style, and category mix.

Estimated Wallet Lift
$0
Net annual improvement from the top outside match, after modeled fees and credits.
Projected vs Actual $0
Net Lift vs Selected $0
Largest Lift Category —
Outside Match —
Recommendations
Upload statements to unlock recommendations.
Strategy Insight

Your Next Move

Waiting for spending
Diagnosis

Upload spending to unlock a personalized strategy breakdown.

Best next move
Your highest-impact next step will appear here.
Category & Merchant Breakdown

See what sits behind your spending categories

Uploaded statements allow Denarya to organize purchases into spending categories while highlighting the merchants responsible for the largest share of annual spending.

05 Explore category allocations, merchant concentrations, and transactions grouped within catch-all spending buckets to better understand how spending is distributed across your wallet.

Merchant concentration No upload detected
Merchant 1 —
Merchant 2 —
Merchant 3 —
Merchant 4 —
Upload statements below to identify merchant concentration, uncover uncategorized spending, and surface catch-all routing opportunities.

Category Breakdown

Estimated annual reward value by spend category, with merchant-level opportunity detail shown below.

Dining
Annual Spend $0
Annual Reward $0
0.0%
—
Groceries
Annual Spend $0
Annual Reward $0
0.0%
—
Travel
Annual Spend $0
Annual Reward $0
0.0%
—
Gas
Annual Spend $0
Annual Reward $0
0.0%
—
Amazon
Annual Spend $0
Annual Reward $0
0.0%
—
Streaming
Annual Spend $0
Annual Reward $0
0.0%
—
Other
Annual Spend $0
Annual Reward $0
0.0%
—

Merchant-Level Optimization

See where catch-all spending may be better routed to a more specialized card.

Merchant
Spend
Current Card
Better Card
Upside
Upload statements to see merchant-level opportunities.
Interest & Payoff Modeling

Measure the cost of carrying a credit card balance

Credit card debt can materially change the economics of a wallet. Interest and payoff modeling helps quantify repayment timelines, total interest costs, and the long-term impact of different payment strategies.

06 Compare payoff scenarios, evaluate repayment approaches, and visualize how balances, APRs, and monthly payments influence total borrowing costs over time.

Payoff Simulation No balance modeled
Estimated Interest Cost — Based on current payoff assumptions
Total Balance —
Monthly Payment —
Payoff Horizon —
APR Exposure —
Model payoff speed, interest accumulation, and balance reduction strategies to understand the long-term cost of carrying debt.

Balance, APR & Payment Inputs

Priority Rule

If you carry a balance, your first goal is not maximizing rewards — it is reducing interest cost and getting out of debt faster.

$6,000
24.9%
$200
$150

Faster Payoff Options

Compare the monthly payment needed to pay off the balance faster while your current spending continues.

Pay Off in 1 Year
$719
Interest Saved $5,100
Pay Off in 2 Years
$437
Interest Saved $3,700
Pay Off in 3 Years
$344
Interest Saved $2,400
Balance Transfer Check

If your interest cost is high or payoff timeline is long, a 0% balance transfer card may be worth comparing. The goal is to move expensive debt into a lower-interest payoff window, not to create more available spending.

Balance Trap Insight

This flags whether new spending is offsetting your monthly payment before interest is even considered.

You are spending $150 per month while paying $200. Only about $50 is reducing your balance before interest — meaning progress is slower than it appears.

Payoff Snapshot

Net Monthly Paydown $50
Estimated Months to Payoff 142
Total Interest Paid $5,820
Total Amount Repaid $11,820
Interest Cost vs Rewards Value -$4,600
Engine Readout

Interest and new spending are slowing your payoff. Reducing APR or increasing payments will have a larger impact than optimizing rewards.

Balance Path Comparison
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Best Next Move

Use the chart to test three levers: lower the APR, increase the monthly payment, or stop adding new spending to the card. The strongest payoff plan is usually the one that attacks interest first.