Maximize Every Swipe
Our algorithm analyzes your spending habits and card benefits to recommend the best card for every purchase, ensuring you never miss out on rewards.
Actionable Insights
See your potential earnings on the cards you already use, plus how much more you could earn with a better-fit wallet.
Secure & Private
We use bank-level security and never store your credit card numbers. Your privacy and security are our top priority.
Effortless Optimization in 3 Steps
1
Add Your Cards
Select cards from our database of 50+ popular cards. No card numbers needed.
2
Enter Your Spending
Tell us your estimated annual spending across key categories like dining and groceries.
3
Get Recommendations
Receive instant, clear advice on which card to use for which category to maximize your cash back or points.
Card-Specific Calculators
Deep-dive into the math for popular premium cards. See if the annual fee pays off for your spending.
Real Results from Real Wallets
See what our optimizer finds for typical credit card users.
Annual Rewards: Before vs After
+$1,290/year in found rewards
Same cards, same spending. Just smarter allocation.
$2,010
Annual rewards found
Example output: "Use Amex Gold for groceries ($720/yr), dining ($560/yr). Use Chase Amazon for Amazon purchases ($200/yr). Use CSR for travel bookings ($480/yr)."
$795
Saved in wasted fees
The optimizer flagged a premium card costing more in annual fees than it earned—recommending to downgrade or cancel.
Built by an engineer who spent too many hours in spreadsheets figuring out which card to use for groceries.
Success Stories
The Small Business Breakthrough
How a freelancer turned business expenses into $890 in annual rewards
Read their story →The First Rewards Card
How a college grad turned $24,000 in spending into $280 with zero annual fees
Read their story →The Digital Nomad Discovery
How working remotely from abroad turned into $1,100 in annual rewards
Read their story →Latest Strategy Guides
View all →
Should You Switch to the Robinhood Gold Card? The Break-Even Math
The Robinhood Gold Card earns 3% on eligible purchases, but requires a $50/yr Gold membership. We run the break-even math against every major no-fee 2% to 2.625% cash back card.
Robinhood's Agentic Credit Card: Should You Let AI Spend Your Money for 3% Back?
Robinhood's Agentic Credit Card lets an AI agent spend on your Gold Card for 3% back. We run the math on the reward edge versus the risk of one wrong purchase.
Cancel vs. Downgrade in 2026: The Annual Fee Math for Sapphire Reserve, Venture X, Platinum, and Gold
Your premium card's annual fee just posted. Should you renew, downgrade, or cancel? Here is the personal-value math for Chase Sapphire Reserve, Capital One Venture X, Amex Platinum, and Amex Gold in 2026.
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