Free tools. Clear answers.

A little clarity for every card decision.

Start with the question in front of you. Each tool shows the calculation, the assumptions and a useful next step.

No sign-up. No bank connection. Nothing you enter is saved or sent.

01 / Which card to use

Make the most of the purchase.

Compare the rewards on two cards for the same purchase. See the difference in dollars.

Compare your cards 02 / Welcome bonus tracker

Keep the bonus in sight.

See what counts, what is left and the pace needed before your deadline.

Check your bonus 03 / Annual fee calculator

Make the fee earn its place.

Compare rewards and useful credits with your best no-fee alternative.

Check an annual fee 04 / Credit card payoff planner

Find a way to pay it down.

Compare paying the highest rate first, the smallest balance first and minimums only.

Build a payoff plan

Prefer to ask it in a conversation?

The website chat uses real AI to explain the same kinds of card decisions. Its answers come from a sample wallet, with calculations displayed as cards you can check.

Try the chat

These tools use the rates and amounts you provide. They do not rank advertised offers or receive a commission when you open a card.