Stop Leaving Money on the Table: Welcome to Card Savvy

We’ve all been there: standing at the checkout counter, staring at a wallet full of plastic, and wondering, "Which card should I use?"

Is it the travel card for the miles? The cash-back card for the dining multiplier? Or the new one you just opened to hit a sign-up bonus?

For most people, credit cards are just a payment method. But for the savvy, they are a tool for arbitrage. Every transaction is an opportunity to get a return on your spending—tax-free and often substantial.

Welcome to Card Savvy

We built this site because we believe the credit card landscape has become unnecessarily complex. Banks design reward programs to be confusing; they bank on you using the wrong card, missing a payment, or letting points expire.

Our mission is simple: Optimization without obsession.

Here at Card Savvy, we explore:

Mathematical Efficiency

How to get the highest return on spend (ROS) for every dollar. We don't just guess; we calculate.

The Best Strategy

Why "points" aren't always better than "cash," and how to know the difference. We break down the effective value of Transferable Points (UR, MR, TYP) versus cold hard cash back.

Tools & Tactics

The algorithms and strategies to maximize your benefits without spending your life reading fine print. From application rules (like 5/24) to retention offers, we cover the tactical side of the game.

Whether you are a churner looking for your next First Class flight or just someone who wants an extra 2% back on groceries, you’re in the right place.