See which card is best for each purchase this season.
See which card is best for each purchase this season.
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Gifts, travel, a few extra grocery runs for hosting: the holidays add up fast. With three or four cards in your wallet, each with its own reward structure, it's easy to just reach for whichever one is on top. Cards Optimizer from Credit Karma helps make it clearer.
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Connect the cards already in your wallet, and Cards Optimizer highlights card options for your purchases to help you see which card may get more rewards. Ordering gifts online? Booking a flight home? Picking up dinner for the whole family? Each one could earn differently depending on the card. It also helps track limited-time bonuses, like a card paying extra on dining this month, before they expire.*
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Rewards are only part of the picture. Many cards come with benefits that are easy to lose track of, and Cards Optimizer helps keep them in view:
🗓️ Annual credits
🛡️ Insurance coverage
🧾 Statement benefits
No new cards to open, and Cards Optimizer by Credit Karma is free to use.
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* Based on members’ in-app activity and visits from August 2024 to August 2025.
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