About SpendAndReward

SpendAndReward is a simple tool that helps you get more out of the credit cards you already have—and make better choices about the ones you add next.

Instead of juggling spreadsheets, blogs, and card issuer fine print, SpendAndReward gives you one place to see:

  • Which cards are in your wallet and what they’re good at

  • Which card is likely the best fit for a given merchant

  • How welcome offers, ongoing rewards, credits, and fees stack up over your first year with a card

We don’t ask for card numbers or bank logins. You tell us which cards you have and how you use them; we handle the reward logic and estimates in the background.

Our goal isn’t to tell you what to do—it’s to make the trade‑offs clear so you can decide for yourself:

  • When a new welcome offer is worth the hassle

  • When a premium card’s credits likely justify the annual fee

  • When it’s better to keep things simple with a smaller setup

SpendAndReward is built for people who care about value, but don’t want optimizing cards to become a second job.

Want to see it in action?
Get started with SpendAndReward and try adding a few of your cards, then run a search for a merchant you visit often.

Questions, ideas, or interested in working with us?

Visit the Contact page and tell us what you have in mind.

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