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CardSavvy is a free credit card reward optimization platform that uses linear programming to help users maximize the value of their existing credit card portfolio. Unlike traditional "best credit card" lists driven by affiliate commissions, CardSavvy's recommendations are 100% math-based and personalized to each user's actual spending patterns.
The platform analyzes a user's cards and spending across categories like dining, groceries, travel, and gas to determine the mathematically optimal card for every purchase. Users get a complete strategy in under 2 minutes, without linking bank accounts or sharing card numbers.
Founded
2024
Pricing
Free core optimizer, $9.99/mo Premium
Cards in Database
50+
Technology
Linear programming (PuLP solver)
Privacy Model
No bank login, no card numbers stored
Platform
Web (mobile-optimized)
Founder & Engineer
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. CardSavvy was built out of frustration with credit card recommendation sites that prioritized affiliate revenue over honest math. What started as a personal spreadsheet evolved into a full optimization platform.
Founder story: How an engineer with a Ph.D. built a free tool using linear programming to replace affiliate-driven credit card rankings with pure math.
Technical deep-dive into how CardSavvy uses the same optimization algorithms used in logistics and supply chains to maximize credit card rewards.
Evergreen analysis: When premium cards are worth it, when they're not, and how to calculate the breakeven point for any card.
How CardSavvy optimizes spending without ever accessing bank accounts, storing card numbers, or tracking transactions.

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