Everyday to Extraordinary ← Back to site

Free tool

Is Your Wallet Working
As Hard As You Are?

Answer 6 quick questions and get a personalized score — plus exactly where your biggest earning opportunities are hiding.

Question 1 of 6

How many credit cards do you actively use for purchases?

Think about cards you've used in the last 3 months.

Just one card for everything
I keep it simple with a single card
Two cards
I split spending between two cards
Three or more cards
I use different cards for different categories
Question 2 of 6

What type of rewards do your cards earn?

Choose all that apply.

Select all that apply

Cash back
I get a percentage back as cash or statement credit
Airline miles (co-branded card)
Delta SkyMiles, United MileagePlus, American AAdvantage, etc.
Hotel points (co-branded card)
Marriott Bonvoy, Hilton Honors, Hyatt, etc.
Flexible transferable points
Chase Ultimate Rewards, Amex Membership Rewards, Capital One Venture, Citi ThankYou
I'm not sure / my card doesn't earn rewards
Question 3 of 6

Do you use the right card for each spending category?

For example — a card that earns 4x on dining when you go to restaurants, 3x on travel when you book flights.

No — I use the same card for everything
One card regardless of what I'm buying
Sometimes — I think about it occasionally
I switch cards sometimes but not consistently
Yes — I route purchases to the highest-earning card
I'm intentional about which card I use for each category
Question 4 of 6

Do you carry a balance on any of your cards?

This matters — interest charges can completely erase the value of any rewards you earn.

No — I pay in full every month
I never carry a balance
Occasionally
Sometimes I carry a small balance
Yes — I regularly carry a balance
I pay interest most months
Question 5 of 6

Have you ever redeemed points for travel worth more than 1.5 cents per point?

For context — redeeming 50,000 points for a $750 flight = 1.5 cents per point. Business class transfers can yield 5–15 cents per point.

I've never redeemed points for travel
I've redeemed through my card's travel portal
Used points at face value through Chase, Amex, or similar portals
I've transferred points to an airline or hotel partner
Used transfer partners for a redemption
Yes — I regularly get 3+ cents per point
I know how to find high-value redemptions
Question 6 of 6

What best describes your monthly spending on cards?

Include all cards combined — business and personal.

Under $2,000/month
$2,000 – $5,000/month
$5,000 – $15,000/month
Over $15,000/month
Business owner or heavy business traveler
Your wallet audit score
Estimated annual points opportunity

Your personalized findings

Ready to close the gap?

The All Access curriculum walks you through every earning and redemption strategy — step by step, at your own pace.