Plans and access
Free for a 2-card setup. Premium when more cards pay off.
The optimizer is free for setups of up to 2 cards — no account needed. Premium raises the limit to 10 cards and adds alternative setups, what-if analysis, and your own credit and perk values.
Billing
Annual is $79 a year. Monthly is $9 a month.
Core access
Free
$0
No account needed to run it
The full optimizer with up to 2 cards, proof status, and the routing cheat sheet.
Run the optimizer — freeExpanded analysis
Premium
$79/ year
~$6.58/month, billed annually
Up to 10 cards, alternative setups, what-if analysis, and your own credit and perk values.
Is Premium worth it for you?
Premium is worth it only if a larger wallet earns more than it costs, and only if you're willing to carry the extra cards. Your free results usually show that number for your own spending: when more cards would earn more, the result says about how much. If the difference is smaller than $79 a year, the free plan is the better deal.
Compare plans
| Feature | Free | Premium |
|---|---|---|
| Cards per setup | Up to 2 cards | Up to 10 cards |
| Optimization runs | 10 runs/hour | 60 runs/hour, 100/month fair use |
| Full 54-card database | Included | Included |
| 19 major inputs + 61 optional exact categories | Included | Included |
| Proof status | Included | Included |
| Routing cheat sheet | Included | Included |
| Saved scenarios | Up to 3 | Unlimited |
| Alternative setups | Not included | Included |
| What-if sensitivity analysis | Not included | Included |
| Custom credit valuations | Not included | Included |
| Your perk values (lounge access, checked bags, elite status) | Not included | Included |
Terms and details
Frequently asked questions
Can I cancel anytime?
Yes. Cancel online in Account settings → Manage Subscription. You keep Premium access until the end of your billing period. When Premium ends, saved scenarios beyond the free limit of 3 stay saved but hidden until you upgrade again.
Is the free tier limited?
The free tier includes the full optimizer with up to 2 cards and one result with proof status. Premium adds up to 10 cards, alternative setups, what-if analysis, and your own credit and perk values.
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 solver run counts as one optimization. Premium includes up to 100 a month as a fair-use limit, and Settings shows how many you've used this month.
Can I get a refund?
Except where required by applicable law or to correct billing errors such as duplicate charges, purchases are non-refundable, including unused or partial periods. 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 think you were billed in error, contact us through the support page (choose “Billing or account”) 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.