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rewards-optimizer

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Figure out the best card or payment route for a purchase (or your everyday spending) to maximize cashback/points — without overspending or drowning in complexity. Use when asked which card should I use for [purchase], maximize my credit card rewards, best card for [category], or optimize my points. Produces the best-value route for the spend from the cards/programs you actually have, a simple everyday cheat-sheet by category, redemption tips, and honest guardrails (pay in full, don't chase points into debt or clutter). Not financial advice.

plugins/pm-money/skills/rewards-optimizer/SKILL.md

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Nov 10, 2026
License
MIT

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# Rewards Optimizer

Reward programs are designed to be confusing so most value goes unclaimed. This cuts through it: given the cards and programs you actually have, it tells you the best one to use for a specific purchase or builds a simple by-category cheat-sheet for everyday spending — while keeping the golden rule front and center: rewards are only worth it if you pay in full and don't spend more to earn them.

## What This Skill Produces

- **The best route for this spend** — which of your cards/programs earns most for the specific purchase or category
- **An everyday cheat-sheet** — a simple "use card X for groceries, Y for dining, Z for everything else" map
- **Redemption tips** — how to get the most value when cashing in (transfer partners, statement credit vs travel, avoiding devaluation)
- **Guardrails** — pay-in-full always, don't chase sign-ups into debt, keep it simple enough to actually follow
- **A "worth it?" check** — when an annual fee or a new card does or doesn't pay off for your spending

## Required Inputs
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