Answer five questions. Our engine scores 88 cards against your spending profile in milliseconds, then shows exact annual value — with zero affiliate bias in the ranking.
Every card is scored across four factors and ranked on projected annual value — rewards earned from your real category spend, minus the annual fee, plus any credits you'll use.
Three deterministic stages. From profile capture to a ranked recommendation set in under a second.
Five structured questions: credit range, income, category spend, goals, preferences. ~2 minutes.
Engine computes fit across 4 weighted factors and projects annual value for each eligible card.
You get 3–5 cards with full reasoning, pros/cons, projected rewards, and direct application links.
Not another comparison site stuffed with top-affiliate-payout cards. A real engine built for people who optimize.
A transparent 4-factor match algorithm (spend, goals, fees, eligibility) — no black box, no affiliate bias.
We compute exact rewards dollars from your category spend, minus fees, plus credits. Not a marketing estimate.
Personalized credit improvement steps ranked by lift potential — utilization, age, inquiries, mix.
Optional read-only bank connection auto-computes 90-day spend. AES-256 encryption, never stored plaintext.