Strategic Credit Card Planning
Your Next Card, Strategically Planned
Stop guessing. Get a personalized credit card strategy based on your spending, goals, and existing wallet — built for points and miles optimizers.
Free · No signup required
How It Works
From wallet audit to application timeline in under 3 minutes.
Add Your Cards
Tell us what's already in your wallet so we can avoid duplicates and check issuer rules.
Set Your Goals
Points for travel? Cashback? Hotel status? We tailor recommendations to your reward strategy.
Get Your Plan
Receive a prioritized timeline of card applications that respects 5/24, spend capacity, and bonus windows.
Apply with Confidence
Know exactly which card to apply for next, when to apply, and how to hit your minimum spend.
Built for Optimizers
Not another generic “best cards of 2024” listicle.
Couples & P2 Support
Plan for Player 2. Coordinate applications across two wallets for maximum bonus capture.
Business Cards Built In
Business cards aren't an afterthought. Ink, Amex Biz Gold, Spark — all included by default.
Spend-Aware Feasibility
We check if you can actually hit the minimum spend. No impossible MSR stacks, ever.
Retention Reminders
Know exactly when to call for a retention offer or cancel before your annual fee hits.
Rules-Aware (5/24 & More)
Chase 5/24, Amex lifetime rule, Citi 8/65 — the engine knows every issuer restriction.
Instant, No Signup
Get personalized recommendations in minutes. No account needed, no data stored.
50+
Cards in Database
5/24
Rules Tracked
<3 min
Time to Plan
$10k+
Avg. First-Year Value
“I was stuck at 4/24 with no idea which Chase card to prioritize. This tool mapped out my next 6 months perfectly.”
Ready to Optimize Your Wallet?
Join thousands of points enthusiasts who plan their card applications strategically. It takes less than 3 minutes.
Start Planning Now