Get 90% of the credit card rewards value with 10% of the effort.
Credit card rewards quietly punish anyone who isn't obsessed.
Card Strategist hands you the playbook — which card to swipe, what you're missing, what to do next.
Already a points nerd? The depth is all still here.
Free to start · 5 min setup · No credit card required (ironic, we know)
Your Insights page — the dollars you’re leaving on the table, net of fees, and the one card that closes the gap.
Up and running in five minutes.
Estimate, add your cards, get your strategy. That's the whole setup.
Estimate your spend
Rough monthly numbers by category — no need to be exact.
Add your cards
Pick what’s in your wallet. No bank linking, ever.
Get your strategy
Your whole optimized setup on one screen.
Privacy isn’t a feature.
It’s the entire point.
We don’t know your card numbers.
We don’t know your transactions.
We don’t sell your data.
We don’t even want it.
Most finance apps want to crawl through your bank statements so they can sell you loans you don't need. We're different. We just give you the strategy, you keep the data.
*One exception: we use privacy-friendly, anonymous product analytics — no ad networks, nothing sold — to see which features help and where people get stuck. Never your card numbers, transactions, or balances. Details in our Privacy Policy.
Who's behind this
I'm an engineering manager and a credit-card enthusiast — but not a points nerd. When everyone raved about Bilt, I ran the numbers against my own wallet and found it barely moved the needle — and that's the tool I actually wanted: advice measured against my cards and my spending, not the internet's enthusiasm. Card Strategist is that tool, built on deliberately conservative estimates.
Your whole strategy, one screen.
Open the app and get the answer. Dig into the details only if you want to.
The right card, every time
Tell us your cards and where you spend. We map every category — groceries, dining, travel — to the exact card that pays you most, valued in real dollars so you can compare cash back and points on equal footing.
See what you're leaving on the table
We run the math on your real spend — net of annual fees and the statement credits you'll actually use — then show the dollars you're missing and the one card, within your limit, that closes the gap. No pushy upsell.
Velocity Guard
Chase 5/24, Amex 1/90, Capital One, Citi — we track your application pace and the banks' weird rules, so you apply at the right time instead of getting denied.
Shallow learning curve. Deep when you want it.
For the optimizer who slowly became a nerd. We see you.
Your point values, your call
Use our per-program estimates or set your own cents-per-point. The math respects your numbers.
Sign-up bonuses at a glance
See every bonus you're chasing and how close you are to the spend requirement.
Credits you forgot you had
Surfaces the statement credits and coupons you haven't used yet this period.
Player 2 & business, separated
Model a spouse's and business cards in their own lanes, not mashed in with yours.
Bilt rent & mortgage calculator
A straight “is it actually worth it?” verdict for putting housing on a card.
5/24 & authorized-user logic
Issuer eligibility handled, so you can finally close the spreadsheet.
Find the best card for how you spend
Free, no sign-up needed: see the top cards for each category, ranked by the real dollar value they return.
The best card for every category
Groceries, dining, travel, gas — every category ranked by what each card actually pays, with the ones you already hold flagged. Switch to “your value” to rank by your own point valuations.
Tuned to how you play
Optimize for simple cash back or squeeze maximum value from transferable points. Set your own cents-per-point, cap how many cards you’re willing to juggle, and the whole strategy respects your numbers.
Stop guessing. Start strategist-ing.
No commitment. No data mining. Just points.