Demo — invented data, read-only. Nothing here is anyone’s real spending.
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Which card earned me the most this year?
Asked

The card that earned you the most this year is the UOB One Card, which paid S$260.00 cashback on S$10,472.92 of spend. The runner-up was the Lady's Solitaire Card, which earned 25,730 KrisFlyer miles on S$8,505.36 of spend. Choosing the Lady's Solitaire Card instead would have given you miles rather than cashback, so the comparison depends on how you value miles versus cash.

Answered
How this was worked out — 1 tool call(s)
get_earnings · {"from":"2026-01-01","to":"2026-08-14"}
{
 "requestedFrom": "2026-01-01",
 "requestedTo": "2026-08-14",
 "coveredFrom": "2025-10-25",
 "coveredTo": "2026-09-18",
 "totalMiles": 111392,
 "totalCashbackSgd": 607.33,
 "totalSpendSgd": 98117.35,
 "totalBlockWasteSgd": 1010.94,
 "cards": [
  {
   "card": "UOB ONE CARD",
   "family": "cashback",
   "program": "Cashback",
   "paysFlatAwardPerPeriod": true,
   "earned": 26000,
   "earnedLabel": "S$260.00 cashback",
   "realisedRate": 0,
   "blendedRate": 2.48,
   "rateUnit": "%",
   "spendSgd": 10472.92,
   "spendThatEarnedNothingSgd": 10472.92,
   "blockWasteSgd": 0,
   "cyclesCovered": 3
  },
  {
   "card": "LADY'S SOLITAIRE CARD",
   "family": "miles",
   "program": "KrisFlyer",
   "paysFlatAwardPerPeriod": false,
   "earned": 25730,
   "earnedLabel": "25,730 miles",
   "realisedRate": 3.03,
   "blendedRate": 3.03,
   "rateUnit": "mpd",
   "spendSgd": 8505.36,
   "spendThatEarnedNothingSgd": 0,
   "blockWasteSgd": 224.06,
   "cyclesCovered": 8
  },
  {
   "card": "MARI CREDIT CARD",
   "family": "cashback",
   "program": "Cashback",
   "paysFlatAwardPerPeriod": false,
   "earned": 23340,
   "earnedLabel": "S$233.40 cashback",
   "realisedRate": 1.4,
   "blendedRate": 0.9,
   "rateUnit": "%",
   "spendSgd": 25887.78,
   "spendThatEarnedNothingSgd": 9261.63,
   "blockWasteSgd": 0,
   "cyclesCovered": 7
  },
  {
   "card": "DBS YUU VISA",
   "family": "miles",
   "program": "yuu Rewards",
   "paysFlatAwardPerPeriod": false,
   "earned": 20739,
   "earnedLabel": "20,739 miles",
   "realisedRate": 2.91,
   "blendedRate": 2.91,
   "rateUnit": "mpd",
   "spendSgd": 7116.34,
   "spendThatEarnedNothingSgd": 0,
   "blockWasteSgd": 0,
   "cyclesCovered": 8
  },
  {
   "card": "CITI REWARDS WORLD MASTERCARD",
   "family": "miles",
   "program": "KrisFlyer",
   "paysFlatAwardP
A turn takes about half a minute — it runs the local model and then the engine, twice over if it needs a second look.

Earlier

Which cycles close in the next week?How much have I spent on dining this year?Which card earned me the most this year?
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