Make every dollar
work harder for you
Find the credit cards that reward your lifestyle the most. We simulate your real spending across every combination of up to 3 new cards and show you exactly which combination earns the most, before you ever apply.
See your rewards, your way
We analyze every card portfolio and show you exactly which combination earns you the most.
Numbers shown are illustrative. Your results will reflect your actual spending.
Effortless to use. Ruthless in analysis.
Discover the rewards hiding in your everyday spending and get a clear, precise plan to capture them.
Import Your Transactions
Securely link your account and we'll import your transactions automatically.
Simulate Every Combination
We test every 1, 2, and 3-card portfolio against your real transactions to find what earns the most.
Get Your Recommendation
Get a ranked list of the top portfolios, with a per-transaction breakdown of what each card earns.
No paid rankings. No data sold. No exceptions.
Read-only access
We only ever read your transactions to build your report. Your credit score, accounts, and login are untouched and never read.
Pay only if it works
You're charged only if your transactions are pulled and your report generates successfully. If anything fails, you're never charged.
Secure and never sold
Your data is encrypted, kept private, and never sold to anyone, ever. See our Privacy Policy.
Rankings you can trust
Cards are ranked purely by what they earn on your spending. Banks can never pay us for a higher spot.
Built for accuracy down to the transaction
Up to 3-Card Portfolios
The best combination of cards to carry as a set, not just the single best card.
Per-Transaction Routing
See exactly which card to use on every purchase, mapped transaction by transaction.
Real Value Redemption
We redeem your points at their best value across transfer partners — and points one card earns can be cashed in by another card you hold, often the hidden reason a combination beats any single card.
Travels With You
We convert foreign purchases to USD at each transaction’s exchange rate, so spending abroad is accurate.
Net of Fees & Bonuses
We subtract annual fees and add in sign-up bonuses, so a card only wins on its true dollar value on your spending.
Your Report, Your Way
View your full report in the browser and revisit it anytime after purchase. Download it as a PDF or send it to your inbox.
Six cards to discover and compare
Our simulation evaluates all 41 possible 1, 2, and 3-card portfolios built from the cards below, ranked by what they would actually earn on your spending.
Find the cards built for how you spend
Most people leave hundreds of dollars in rewards on the table every year with the wrong cards. We simulate every card against your real spending, so you stop guessing and start earning what your money is actually worth.
Discover My Cards