We calculate each entry's monthly rewards value by combining bonus category earnings, base rewards, and sign-up bonus amortization across the first year. All values are converted to a common dollar basis using our standardized cents-per-point valuations for each bank's currency.

Yes, all leaderboard entries are completely anonymous. We only display the card setup configuration — the specific combination of cards and spending allocation — not any personal information. You can submit your own setup to see where you rank.

Top earners typically use 3-5 cards strategically, assigning each spending category to the card with the highest bonus rate. For example, using a 4% grocery card for supermarkets and a 5x travel card for flights can earn 3-4x more than a single flat-rate card. Category optimization is the biggest factor.

The leaderboard refreshes monthly. New entries are accepted throughout the month, and rankings recalculate at the start of each new month. Historical rankings are preserved so you can track trends over time.

Absolutely. The most effective strategies include: using our Category Optimizer to assign the best card per spending category, opening cards with strong sign-up bonuses, and maximizing bonus category spend. Even switching from a 1.5% flat-rate card to category-specific cards can double your earnings.