The booklet nobody reads
Rental car coverage, trip delay reimbursement, statement credits that quietly expire — most cards carry more than their owners know. Pick yours and read the whole list.
Search above, or start with one of the most common cards in circulation.
Issuer
Step one
Tick everything in your wallet. The maths only works if the list is complete — a forgotten card is usually where the wasted money is.
Step two
Estimates are fine. Round to the nearest fifty. Leave anything that doesn’t apply at zero.
Off, every point counts as one cent — what you would get as a statement credit. On, points on Chase, Amex, Capital One and Citi cards are valued at what careful transfer redemptions typically return. It is the single biggest assumption in this model, which is why it is yours to set.