Credit card rewards optimizer — helps maximize cashback, points, and miles by recommending the best card for every purchase category. Tracks annual caps, calculates annual fee ROI, manages rotating quarterly categories, and suggests new cards based on spending patterns.

信用卡积分优化器——根据各类消费推荐最佳用卡，最大化返现、积分和里程收益。跟踪年度限额，计算年费回报率，管理季度轮换类别，并根据消费模式推荐新卡。