Math-first credit card optimization, built by an engineer who got tired of spreadsheets.
The founder holds a Ph.D. in Electrical Engineering and has spent their career in aerospace and tech, deploying modern machine learning systems at scale, applying that same engineering rigor to personal finance. CardSavvy began as a spreadsheet built out of frustration with credit card recommendation sites that prioritized affiliate revenue over honest math. Today, it's a free web app designed to help anyone make smarter, data-driven decisions about which cards are actually worth it.
Enter your estimated monthly spend across key categories like dining, travel, and groceries. No need to connect your bank accounts—just accurate estimates are enough to power the model.
Our engine calculates the real value of every point and mile based on current market data, not inflated marketing claims. We rigorously account for annual fees, applicable credits, and reward multipliers to find your true "effective annual cost."
See a clear, ranked list of cards based on Net Expected Value. We show you exactly where the numbers come from—break-even points, return on spend, and total profit—so you can decide with confidence.
The credit card industry is filled with noise—flashy marketing, limited-time offers, and confusing point valuations. It's easy to get overwhelmed.
At CardSavvy, we take a different approach. We don't rank cards by popularity or by which one pays the biggest referral commission to the site recommending it. We built an engine that runs the numbers for you.
By analyzing your specific spending habits and financial goals, we mathematically determine the optimal card strategy to maximize your net value.
Have questions, feedback, or need support? We'd love to hear from you.
Email: support@card-savvy.com
No signup required
CardSavvy is a product of Mount Si Labs LLC, a Washington limited liability company.