Plans and access
Analysis first. More control when you need it.
The complete core optimizer is free. Premium expands the portfolio limit and adds alternative solutions, sensitivity analysis, and custom valuations.
Billing basis
Annual billing saves 27% when available.
Core access
Free
$0/ forever
- +Optimization — Up to 2 cards
- +Optimizations per month — Rate limited
- +Full 53-card database
- +19 major inputs + 60 optional exact categories
- +Solver proof status
- +Routing cheat sheet
- +Saved scenarios — 3 max
- –Alternative setups (top-K)
- –What-if sensitivity analysis
- –Custom credit valuations
Expanded analysis
Premium
$79/ year
~$6.58/month, billed annually
- Full 53-card database
- 19 major inputs + 60 optional exact categories
- Solver proof status
- Routing cheat sheet
Terms and details
Frequently asked questions
Can I cancel anytime?
Yes. Cancel from your account menu or Stripe portal. You keep Premium access until the end of your billing period.
Is the free tier limited?
The free tier includes the full optimizer with up to 2 cards and one result with proof status. Premium unlocks up to 10 cards, alternative setups, what-if analysis, and custom credit valuations.
Do you store my financial data?
The Service stores the spending assumptions, selected cards, and saved results you submit so it can run and reload scenarios. We do not ask for bank credentials, card numbers, or payment-card data; Stripe handles payment-card data. See the Privacy Policy for limited cookieless analytics and error monitoring.
What does “100 optimizations per month” mean?
Each time you run the solver counts as one optimization. 100 per month is far more than most people use — typical users run a handful when setting up and a few more when their spending changes.
Can I get a refund?
Except where required by applicable law or needed to correct a billing error, purchases are non-refundable. You can cancel anytime and keep Premium through the end of the period you’ve already paid for — cancelling stops the next renewal rather than refunding past charges. If you were billed in error, such as a duplicate charge, contact us through the support page and we’ll review and correct it.
Can I switch between monthly and annual billing?
Use the Stripe billing portal from your account menu to manage the subscription. The portal shows the available plan-change terms before you confirm; this site does not promise proration.
How current is your card data?
Every card shows the catalog’s last review date and an issuer-source link when one is available. Issuer terms and offers can change between reviews, and a small number of clearly noted fields may rely on secondary evidence. If you spot something stale, the feedback button reaches us directly.
Do affiliate links influence the recommendations?
Commissions are not inputs to the solver. Modeled results use the selected catalog, your objective and assumptions, issuer terms, and data snapshot; issuer eligibility, approval, and channel-specific offers control any application. Some application links may compensate us, as explained in the Affiliate Disclosure.