What do I need to use Rewards Optimizer?

Your cards / programs; The question; Your spending shape; Redemption goal; Complexity tolerance.

Is Rewards Optimizer free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Rewards Optimizer

Q: How do I know the Rewards Optimizer output is good?

The skill verifies itself against its own quality checks: Recommends the highest-earning card for the actual category; Everyday cheat-sheet is simple enough to follow; Includes redemption-value guidance, not just earning; Does honest annual-fee math.

🔵 Stable🕐 updated 2026-08-05 🔷 SkillSpec L3 pm-money

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.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

🗣 Say this to your agent

“Which card should I use for booking a flight?”“Help me maximize my cashback across my cards.”“Best card for groceries and dining from what I have?”“Is this card's annual fee worth it for my spending?”“Set me up a simple system for which card to use where.”

What to give it

▸Your cards / programs — what you have (issuers, categories, any annual fees)

▸The question — a specific purchase/category, or optimizing everyday spending

▸Your spending shape — rough monthly by category (groceries, dining, travel, gas, bills)

▸Redemption goal — cashback, travel, or points flexibility

▸Complexity tolerance — max value vs. keep-it-simple

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓Recommends the highest-earning card for the actual category

✓Everyday cheat-sheet is simple enough to follow

✓Includes redemption-value guidance, not just earning

✓Does honest annual-fee math

✓Leads with pay-in-full / don't-overspend guardrails

✓Uses only the cards/programs the person has

⚠️ What it refuses to do

**Optimizing into complexity** nobody will follow.

**Ignoring the pay-in-full rule** — interest erases all rewards.

**Encouraging spend** to hit bonuses.

**Treating all points as equal value.**

**Recommending a fee card** without the break-even math.

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="rewards-optimizer"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Rewards Optimizer is one of 1098 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog