Do you pay your full statement balance every month?

This sets whether rewards optimization makes sense for you right now.

What's your next credit-card decision?

Pick the one that fits — we'll route you into the right tool with the math.

Which card's annual fee just posted?

We use real fee and credit data for these cards. Other cards: try /credits.

How do you actually use this card today?

Be honest. This drives the realistic credit capture rate.

What are the non-cash perks honestly worth to you each year?

Lounge access, status, trip insurance. The dashboard excludes these by default — your number, your call.

Are you within 30 days of the fee posting?

Most issuers refund the fee in full inside this window. After it, cancel saves you next year but not this year.

What's the spending category you swipe most often?

We'll pre-highlight it in the optimizer so you can see your best card for it instantly.

Which card are you considering?

We'll compare its incremental value against your existing wallet — not just headline multipliers.

Roughly how much do you put on credit cards each year?

Helps the compare flow size the rewards bucket correctly.

What specific problem do you want to solve?

We'll route you to the calculator built for it.

Free, no signup·Math-first·Shareable

Wallet Map

What is your next credit card move? Optimize, add, keep, downgrade, or cancel — with the math behind every step.

How this works

The wallet map asks at most five questions and routes you to the right CardSavvy tool with the math behind the verdict. We never recommend a card based on affiliate payouts. The keep / downgrade / cancel branch uses our credit realism dataset — realistic capture rates per credit, not issuer face value.

If you carry a credit card balance, the map will not recommend rewards optimization. Card rewards cannot beat the interest on a carried balance.