Cashback optimizer

Spending by category × card cashback — the best card for each category

Monthly spend by category · Card cashback, %

Groceries

₴/міс

A %

B %

Dining

₴/міс

A %

B %

Fuel

₴/міс

A %

B %

Pharmacy

₴/міс

A %

B %

Shopping

₴/міс

A %

B %

Other

₴/міс

A %

B %

Optimal split

Groceries — pay with B400 ₴

Dining — pay with B90 ₴

Fuel — pay with B120 ₴

Pharmacy — pay with A15 ₴

Shopping — pay with B150 ₴

Other — pay with A50 ₴

Cashback/mo825 ₴

Cashback/yr9,900 ₴

Cashback rates change quarterly — check current categories in the bank app. Typical traps: cashback in points not money, per-category caps, required turnover. 'Round to the hryvnia' is a separate micro-bonus.

About Cashback optimizer

Cashback optimizer — spending categories × card cashback — best card & yearly gain. Finance: debt payoff, loan vs savings, bank fees, splitter, child costs, cashback, life insurance, terms. Use our tools without registration or installing software. All calculations happen in your browser — your data is never sent to a server.