Everything is free.

Every tool on CardSavvy costs $0, including the ones competitors charge $50 to $108 a year for. Signing up takes an email address and nothing else.

CardSavvy

Every feature. One plan.

$0

no billing, nothing to cancel

Start OptimizingCreate Free Account

Core tools

  • Card reward optimization (exact solver math)
  • Category-by-category strategy
  • Annual fee ROI analysis
  • Best Card for This Purchase picker
  • Share results with friends
  • Save wallet to account

Wallet intelligence

  • Credit Health Dashboard
  • Credit Overlap Detection
  • Personalized Credit Valuations
  • Card Simulator ("should I add this card?")
  • Wallet Simplification ("which card should I cancel?")

Tracking tools

  • Transfer partner valuations
  • Signup bonus tracker
  • Chase 5/24 status tracker
  • Historical optimization comparison
  • Annual fee and card-change alerts

CardSavvy is an independent service. We run no ads and currently receive no affiliate compensation, and the recommendations come out of a linear-programming solver with no commission attached. It is free today; if that ever changes, we will disclose it clearly before anything is charged. Compensation never changes the math.

Frequently Asked Questions

Is everything really free?
Yes. Every feature on CardSavvy is free right now, including the wallet intelligence and tracking tools that used to sit behind a Premium paywall. There is no trial and no paywall, and we never ask for a card number.
Why is it free?
CardSavvy runs no ads and currently receives no affiliate compensation. The Premium tier was the only path to revenue, and no one ever paid for it; it gated tools we would rather see people use, so we removed it. Our focus right now is keeping the rewards math exact and current, and getting it into more wallets.
Will it stay free?
It is free today. If that ever changes, we will say so plainly and in advance. Nobody gets silently charged, and compensation never changes the math behind a recommendation.
What do I need an account for?
The optimizer works without one. A free account adds saved wallets, optimization history, the dashboard, bonus and 5/24 tracking, and annual fee reminders. Signing up takes an email address; we never ask for card numbers or bank logins.
What happened to Premium?
Everything that was in Premium is now included for every account. If you were on a trial, there is no longer a trial to expire; your account keeps every feature.
Do you sell my data?
No. CardSavvy never stores card numbers or transaction data, and we do not sell personal information. The privacy policy spells this out.

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