Ask. Check. Decide.
The chat uses a real language model to understand your question. When the question needs a number, it calls a calculation tool. The same result goes to the answer card and back to the model for its explanation. You decide what to do next.
Which card to use
The chat compares the cards already held in the sample wallet, including reward rates, point values, category limits, payment fees and an open bonus. A points estimate is marked as approximate. A merchant's category remains unverified until the purchase posts.
The free rewards comparison is simpler: two reward rates and one purchase amount. It does not include bonus strategy.
Welcome bonus progress
The engine counts eligible posted purchases and subtracts returns. It keeps the offer originally accepted separate from later advertised offers. Pending purchases are estimates, and a projected finish uses only planned spending. It never treats spending extra as a way to make a bonus worthwhile.
Annual fees
The renewal check compares what a card earned with what the same spending would have earned on another held card. It subtracts the annual fee and counts only credits marked as useful. The result can be keep or ask about a no-fee version.
Adding a card
The comparison uses the same spending on both sides. It keeps a conditional welcome bonus separate from ongoing yearly value. If that spending is already committed to a current bonus, the answer can be wait. The sample catalog is small and generic; this is not a whole-market card ranking.
Paying down a balance
The payoff planner compares the highest-rate-first and smallest-balance-first approaches with minimum payments. It assumes a fixed monthly budget, fixed minimums, no new purchases and monthly interest. Actual card statements can use daily interest and changing minimums, so a payoff projection is an estimate. The CFPB explains how card interest is calculated.
What is in the sample wallet?
The chat uses a fixed example dated September 21, 2026: a Travel card with a bonus in progress, a Grocery card with an annual fee, and a flat-rate Everyday card. The names, terms, transactions and dates are examples, not current issuer offers or your accounts.
A saved example is labeled Replay. A model-generated response is labeled Live. When the live service is unavailable, the page says so and offers a labeled saved example. The response cards always come from calculation results.
Answers from your own cards
Members get the same calculators, run on their own cards instead of the sample. Each card's rates, fees, caps and credits come from our checked list, which shows the issuer page behind every card and the day it was checked. What only you know comes from you: when you opened a card and when its fee posts, your welcome bonus figures, your yearly spending, the credits you really use and, if you like, your own point values. Your answers are worked out again from those figures each time you open your account. Nothing is read from your bank.
What happens to your information?
The free calculators run inside your browser tab. They do not send or save your inputs. In the public chat, your messages are sent to our Cloudflare service and its AI model to answer you. We do not store chat conversations in our database. Use the sample wallet and leave out account numbers, documents and private financial information.
If you become a member, we store your email address, your sign-in sessions, the cards and figures you add, your plan's status and the assistants you connect. Stripe takes payments on its own page, so we never see your card number. You can download all of it, or delete your account, from your account page. Signing in uses two cookies: a short-lived one while your sign-in email is on its way, and one that keeps you signed in. Visitors who do not sign in get none. Our pages use no advertising trackers, third-party analytics or bank connections. We count outbound-link clicks in daily totals without visitor identifiers.
The privacy page lists everything we keep and for how long.
What does membership cost?
Membership is $9 a month or $79 a year. Keeping your current setup and waiting are useful answers, too.
Explore the free tools, try the chat preview or see what membership includes.