Every answer below feeds directly into the math behind your recommendation - nothing here is just for show. We use it to figure out which reward type actually fits you, where your spending would earn the most, whether rewards even make sense for you right now, and which cards you can realistically qualify for. Skipping or guessing on a question makes the final recommendation less accurate, so it's worth a moment's thought on each one.
Step 1 of 6
Why we ask: Cash back and travel points are optimized completely differently - this single answer decides which entire set of cards we even consider for you.
What matters more to you?
Step 2 of 6
Why we ask: This is the core of the whole recommendation - the card that wins is whichever one earns the most on your actual spending, category by category, not a generic "best card" pick.
Roughly how much do you spend per month?
Estimates are fine - this drives the whole recommendation, so the closer to real, the better.
Or upload a statement instead
Upload up to 3 CSV or Excel exports from your bank (one per account/card) and we'll auto-categorize the transactions into the buckets above. PDF statements aren't supported yet - export as CSV/Excel from your bank's site instead, which nearly all banks offer.
Here's what we found - adjust anything that looks off before continuing:
Step 3 of 6
Why we ask: If you carry a balance, interest charges outweigh almost any rewards rate - this answer can steer the whole recommendation toward a low-APR option instead of rewards, to protect you from a bad fit.
Do you pay your balance in full each month?
Step 4 of 6
Why we ask: Issuers have rules like Chase's 5/24 or a once-per-lifetime bonus limit - knowing what you already hold keeps us from recommending something you can't actually get approved for, or a bonus you've already claimed.
Do you currently hold any of these?
Step 5 of 6
Why we ask: This is what separates a genuinely personalized pick from a generic one - it decides whether a premium travel card's lounge access is worth the fee to you, or whether a fussier high-earning card is worth the extra effort.
A bit more on travel
One more on cash back
Just one more to narrow things down
Step 6 of 6
Why we ask: These act as hard limits, not just preferences - we'll never recommend a combination that breaks your fee budget or card-count limit, even if the raw math would otherwise say so.