Questions worth asking

No — not to see your own numbers. Drop in a statement (CSV or PDF) and the full analysis runs in your browser with no signup and nothing uploaded. You only create a free account if you want to link a bank so it stays live, or save your setup across devices. The demo needs no account either.

No. Download a CSV from your card issuer and drop it in — you get the full product, and the file never leaves your browser. Connecting an account just saves you doing that each month.

Today, nothing. No link on this site pays us anything — the file that would hold affiliate links is empty — so right now there is no commission and no conflict to manage. If that changes, this is how it will work: we may earn a commission when someone opens a card through certain links, any card that pays us will be marked wherever it appears, and it still cannot affect rankings. That isn't a promise — it's how the code is built. The ranking engine and the affiliate data are separate files, and the ranking function has no access to the second one. Full disclosure here.

The card data is researched with sources and verified dates, and the engine is covered by automated tests that check specific real-world cases — the Amex Gold's $25,000 grocery cap, Freedom Flex's quarterly cap, foreign transaction fees outweighing rewards. Where the source data is ambiguous, it deliberately errs low. The methodology is written up in detail.

Usually because those sites count things we don't: spend-gated credits you'd never qualify for, best-case point valuations, and rotating-category bonuses assumed to always be active. We exclude all three.

A point isn't a dollar — an Amex point redeemed for cash is worth less than one transferred to an airline. Every dollar figure on the site scales off our valuations, which are deliberately mid-range rather than aspirational. They're maintained by us as the default — and if your redemptions are genuinely better or worse, you can override any currency's value in Settings. The app clearly marks every number that's using your custom value instead of ours, so an optimistic assumption can never masquerade as our research.

Using the tool has no effect at all — there's no credit pull. Acting on it might: opening a new card creates a hard inquiry and lowers your average account age, typically a small, temporary dip. The app estimates that cost so you can weigh it against the benefit.

Less than paying it down. At 25% APR, interest costs about 2% per month — more than any card earns. The app calculates your interest cost and says plainly when clearing the balance beats optimizing rewards. That's usually the honest answer.

Yes — 56 of the 289 cards are business products. There's a Personal / Business / All filter in the wallet.

Each card carries its own verified date. Card terms change frequently — issuers adjust fees and categories with little notice — so treat the data as a well-researched starting point and confirm anything before you act on it.

Disconnect an account and the token is deleted from storage and revoked at Plaid in the same step. CSV data was only ever in your browser, so closing the tab is enough.