Disclaimer

Not financial advice

Nothing on this Service — including category recommendations, card rankings, points valuations, the cancel/downgrade advisor, goal-planner outputs, sign-up-bonus suggestions, transfer-bonus opportunities, and AI-generated wallet analyses — constitutes financial advice, investment advice, tax advice, legal advice, or an endorsement of any specific card, issuer, or program. We are not your financial advisor, broker, or fiduciary.

If you need advice tailored to your individual circumstances — for example, the credit-card strategy that fits your tax situation, debt level, or financial goals — talk to a qualified professional.

Card data is hand-curated and decays

We maintain the card database manually from publicly available issuer information. Rates, fees, sign-up bonuses, statement credits, transfer ratios, lounge access rules, and benefits all change frequently, sometimes without prior notice. Every card entry has a “last verified” date — that date does not guarantee the current term is the same as what the issuer displays right now.

Confirm card terms directly on the issuer's official site before applying, before relying on a figure for a large redemption, or before making any cancel/keep decision.

International card data is especially provisional

We seeded the catalogue with cards from nine markets — the US, Canada, the UK, Australia, Singapore, Hong Kong, Germany, India, and the UAE. US and Canadian data is our highest confidence.The other seven markets carry an “international-seed” note on every entry because we do not curate them with the same depth, the welcome offers refresh more frequently than we can track, and transfer ratios (especially KrisFlyer, Cathay Asia Miles, Qantas Frequent Flyer, and Lufthansa Miles & More) have devalued multiple times in recent years.

If you live outside the US or Canada and the catalogue says a card earns a certain rate or comes with a certain welcome bonus, treat it as a starting point and verify with the issuer.Sign-up-bonus re-eligibility rules outside the US are particularly approximate — most non-US banks don't publish formal cooldown rules and our 12-month / 18-month / once-per-lifetime placeholders are conservative guesses, not issuer guarantees.

Points valuations are subjective estimates

Our default cents-per-point valuations are our own honest opinions, derived from typical redemption values observed publicly. They are not guaranteed transfer rates, sale prices, or cash-equivalent values. The same point is worth different amounts to different people based on how they redeem.

You can override every default valuation on /settings/valuations and the recommender re-ranks using your numbers.

Award charts and redemption math

Goal planner outputs use static award-chart estimates. Real award pricing depends on origin city, partner program, season, availability, dynamic-pricing factors, and surcharges (fuel, taxes, carrier-imposed fees). We do not check live award space and our flight-cost figures are not guaranteed bookable rates.

Hotel programs that use dynamic pricing (Marriott Bonvoy, Hilton Honors, IHG One Rewards) have no fixed chart — our per-night estimates are coarse averages, not quotes.

Sign-up bonuses, churning, eligibility

Sign-up-bonus eligibility depends on issuer rules (Chase 5/24, Amex once-per-lifetime, Citi 24/48-month rules, etc.). These rules change. Our eligibility checks reflect our best understanding of current rules, but we do not pre-clear applications and an issuer may deny you a bonus for reasons our data doesn't capture. Always confirm eligibility before opening a card you're only interested in for the bonus.

Credits, benefits, and elite-status math

The cancel/downgrade advisor estimates a card's annual value by summing statement credits and rewards earnings against the annual fee. It assumes you fully use the credits, which is often unrealistic — travel credits with onerous redemption rules, niche dining-platform credits, and use-it-or-lose-it quarterly credits all have lower real-world utilization than face value. Mentally discount accordingly.

Benefits like Priority Pass, lounge access, Global Entry credit, cell phone protection, rental coverage, trip insurance, and elite-status conferrals are notautomatically valued in dollars. You know how much you actually use these; we don't.

No guarantee of service availability

The Service is provided as-is and as-available. We do not guarantee uptime, freedom from bugs, or that any specific feature will continue to exist. We may add, change, or remove features at any time.

Third-party content and links

Some pages link to third-party sites (issuer card pages, award charts, news posts). We are not responsible for the content, accuracy, or practices of those sites. A link is not an endorsement.

Affiliate disclosure

As of the date above, the Service has no affiliate relationships and does not earn commission from any card application. If that changes, this page will be updated and a visible notice will appear next to any Apply button with tracking. By architecture, the ranking engine cannot read affiliate data — rankings are pure math regardless of payouts. See Terms of Service for the longer version.

Your decisions are your own

By using the Service you acknowledge that any application, redemption, cancellation, or other financial action you take based on outputs from this Service is your own decision, made on your own analysis and your own responsibility. We accept no liability for outcomes arising from those decisions, to the maximum extent permitted by law. See the limitation-of-liability section in our Terms of Service.