Credit Card Optimization: Always Use the Right Card

You're Leaving Money on the Table

If you have more than one credit card, chances are you're not using the optimal one for each purchase. Your everyday card might give 1% cashback on everything, but your travel card gives 3% on dining and your supermarket card gives 4% on groceries. Keeping track of which card to use where is a headache.

Your AI assistant solves this by knowing your card details and their reward structures.

How It Works

Once you tell your assistant about your cards and their reward categories:

• Before major purchases, ask "which card should I use at Tesco?" and get an instant answer
• Weekly spending summaries show how much you earned in rewards and where you could have earned more
• Category bonus alerts notify you when a card activates rotating bonus categories
• Annual fee analysis calculates whether each card's rewards justify its fee based on your actual spending
• Sign-up bonus tracking reminds you of minimum spend requirements to hit welcome bonuses

Example in Action

You're about to book flights. You message your assistant: "Booking 800 in flights on BA.com, which card?"

"Use your Amex Gold for 3x points on travel (2,400 points worth about 18). Your Barclaycard would only give 1% (8). Also, your Amex has a spend target: 200 more in the next 10 days to unlock a 50 statement credit."

The Bigger Picture

Over a year, optimizing card usage across categories typically earns 200-500 more in rewards than using a single card for everything. It's free money, you're making the purchases anyway.

Claw for All makes this effortless. Your assistant lives in your messaging app and answers card questions in seconds. No spreadsheets, no mental math. Just better rewards on every purchase.