Most tools tell you the "best card of the year." We work out the specific combination that fits your spending, your fee budget, and how many cards you actually want to carry - and show you the math behind it.
The Problem: Credit card rewards are scattered across hundreds of cards and dozens of issuers, buried in fine print most people never read. Most cardholders aren't leaving money on the table because they're careless - they're leaving it there because comparing every card's categories, caps, and application rules by hand isn't realistic, and no single source pulls it all together in one place.
Our Solution: We aggregate that information across issuers into one library, then combine it with your actual spending to show exactly which card - or combination of cards - captures the rewards you're currently missing, and which restrictions would actually stand in your way.
Find your optimal multi-card combination →Get an email whenever any card's signup bonus jumps or drops 20% or more - free, no account needed.
| Feature | Free | Premium Best Value |
|---|---|---|
| Price | $0 | $9.99/month |
| Single best-card recommendation | Included | Included |
| Industry-favorite Cards & issuer rules | Included | Included |
| Chat assistant | 5 questions per session | Unlimited, anytime |
| Saved wallet | Unlimited cards | Unlimited cards |
| Email my recommendation | One-time email of your single-card pick and reasoning | One-time email of your full multi-card breakdown, per-card costs, and reasoning |
| Multi-card portfolio optimizer | - | Your optimal multi-card combination, built to your fee budget, card limit, and spending pattern |
| Which Card for What | - | See which of your saved cards earns the best rate in each spending category |
| Cost vs. Gain Breakdown | - | See what each saved card costs vs. earns, based on your actual spending |
| Personalized Wallet Alerts | - | Get notified when a saved card's bonus changes significantly, or a better card becomes available for your profile |
Every card in our library lists the issuer restrictions that actually determine whether you'll get approved - things like Chase's 5/24 rule or Amex's once-per-lifetime bonus limit - not just the headline rewards rate.
See Industry-favorite Cards →