Free to start. Premium to unlock everything.
The core optimizer is free forever. Upgrade to Premium for advanced features like alternative setups, what-if analysis, and custom credit valuations.
- +Optimization (Up to 3 cards)
- +Optimizations per month (Rate limited)
- +Full 52-card database
- +23 spend categories
- +Proven optimal result
- +Routing cheat sheet
- +Saved scenarios (3 max)
- –Alternative setups (top-K)
- –What-if sensitivity analysis
- –Custom credit valuations
- +Optimization (Up to 10 cards)PRO
- +Optimizations per month (100/month)PRO
- +Full 52-card database
- +23 spend categories
- +Proven optimal result
- +Routing cheat sheet
- +Saved scenarios (Unlimited)PRO
- +Alternative setups (top-K)PRO
- +What-if sensitivity analysisPRO
- +Custom credit valuationsPRO
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 3 cards and a single optimal result. Premium unlocks up to 10 cards, alternative setups, what-if analysis, and custom credit valuations.
Do you store my financial data?
We only store the spending categories you enter (e.g., “$300/mo on dining”). We never ask for bank credentials, card numbers, or personal financial information.
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?
If something went wrong with your subscription, contact us through the support page and we'll make it right. You can also cancel anytime and keep access through the end of the period you paid for.
Can I switch between monthly and annual billing?
Yes. Use the Stripe billing portal from your account menu to switch plans. Changes are prorated automatically by Stripe.
How current is your card data?
Every card shows the date its terms were last verified against the issuer's official page, and the catalog is refreshed when issuers change fees, earn rates, or credits. If you spot something stale, the feedback button reaches us directly.
Do affiliate links influence the recommendations?
No. The solver's math is identical whether or not a card has an affiliate link — it proves the optimal setup from earn rates, caps, fees, and credits alone. Affiliate links only appear after the optimization is computed.