Free vs. Premium
| Feature |
Free |
Premium Best Value |
| Price |
$0 |
$6/month |
| Single best-card recommendation |
Included |
Included |
| Popular Cards & issuer rules |
Included |
Included |
| Chat assistant |
5 questions per session |
Unlimited, anytime |
| Multi-card portfolio optimizer |
- |
Your optimal multi-card combination, built to your fee budget and card limit |
| Saved wallet |
- |
Save the cards you hold or are considering |
| Rate-change alerts |
- |
Get notified when a better combination appears |
Why upgrade?
A well-matched 2-3 card combination commonly earns more in a single year of everyday spending than the annual cost of this subscription - the free single-card answer is a good start, but it's leaving categories uncovered that a second or third card would capture. The premium optimizer is built to find that gap for your specific spending, not a generic "best cards" list.