Maximize Your
Credit Card Rewards
Stop leaving rewards on the table. Our optimizer tells you exactly which card
to swipe for dining, travel, shopping & more to extract maximum value.
Know Which Card to
Use for Every Purchase
Add your cards, set your spend, and we'll tell you exactly which card to use. Stop leaving rewards on the table.
- Best card for 9 spending categories
- Tracks monthly caps automatically
Amazon, Flipkart, Myntra
Swiggy, Zomato, Restaurants
MakeMyTrip, Cleartrip, Airlines
HP, IndianOil, Bharat Petroleum
Top Reward Performers by Category
Cards ranked by reward optimization potential in each category. Explore all cards to build your optimal rewards stack.
News & Insights
Stay updated with the latest offers, guides, and credit card tips.
Why CardNitty is Different
Most sites tell you which card to get. We tell you how to maximize rewards from cards you already have.
- One card fits all - They recommend a single "best" card for everything
- Ignores your wallet - No strategy for cards you already own
- Misses reward caps - No alerts when you hit monthly limits
- Rewards left behind - Using wrong card = losing 2-10% value per swipe
- Right card, every swipe - Know exactly which card to use for each purchase
- Your cards, optimized - Add your wallet and get personalized strategies
- Cap-aware switching - Automatic alerts when you hit reward limits
- Maximum value extracted - Never leave rewards on the table again
The Science Behind Our Ratings
Every rating is derived from a weighted combination of 5 component scores across 24 leaderboards
FAQs
What is the Reward Maximizer and how does it work?
The Reward Maximizer is our smart tool that tells you exactly which card to use for every purchase. Add your credit cards to your dashboard, and it analyzes reward rates across 9 spending categories (dining, travel, shopping, fuel, etc.) and 300+ brands. It factors in monthly reward caps, so you know when to switch cards. The result? Maximum rewards on every purchase without the guesswork.
How do your card rankings work?
Our rankings are algorithm-driven, not editorial picks. Every card is scored using a weighted formula across 5 components:
- Rewards (27%) - Points, cashback, and welcome bonuses
- Value for Money (22.5%) - Features relative to annual fee
- Fees (22.5%) - Annual fee, forex markup, interest rates
- Benefits (18%) - Lounge access, insurance, concierge
- User Reviews (10%) - Verified cardholder feedback
Cards are ranked across 24 leaderboards. A 4.5-star rating means the card is in the top 12.5% of all cards we track.
Are your ratings influenced by credit card companies?
No. Our ratings are computed algorithmically and cannot be influenced by any credit card company. We don't accept payment for higher ratings or better positions in our leaderboards. While we may receive compensation for some product placements, our ratings remain strictly objective and based on the actual card features and value.
How do I start optimizing my credit card rewards?
The Reward Maximizer works with cards you already have. Here's how to get started:
- Create a free account and add your existing cards to your wallet
- Enter your typical spending across categories (dining, travel, shopping, etc.)
- Get instant recommendations on which card to swipe for each purchase
- Receive alerts when you're approaching monthly reward caps so you can switch cards
How does the optimizer stay accurate?
Our optimization engine updates in real-time when card features change. When a bank modifies reward rates, category bonuses, or monthly caps, our algorithm recalculates instantly. This means your card recommendations are always based on current data - not outdated information from months ago.
Is my data safe on CardNitty?
Yes. We never ask for or store your credit card numbers. The Reward Maximizer only needs to know which cards you own - not your card details. Your account data is encrypted and never shared with third parties. You can delete your account and all associated data at any time.
We respect your privacy
At Card Nitty, we deeply value your privacy. Your personal and financial information is treated with the highest level of confidentiality, employing stringent security measures to ensure it remains well-protected. We're committed to fostering a trusting relationship, where your data's security is a fundamental aspect of our service.