Card routing, computed
Which card should pay for what — computed from your own spending, in your browser, by a tool that earns nothing from the answer.
See it working — no signupNothing is paid placement. Every recommendation shows what we earn — today, nothing.
Two tools you can use now
Change the amount. The two rates come from the verified $600 case and do not change — only the amount does.
On a Chase Freedom Unlimited
$18back · at 3.0%
On an Amex Gold
$48back · at 8.0%
The gap
$30a month, on this one category
At $600 the figures are $18 and $48 — computed by the product’s engine and verified.Verified $600 case Every other amount here is those same two rates applied to the number you typed, rounded to the dollar. Anything between $50 and $20,000. The product does this against your real categories, not one of them.
Processing fee break-even
Rent, tuition and tax bills can go on a card for a processing fee. Whether that is worth doing is arithmetic, and almost nobody does it. Every number below is yours — nothing is assumed.
A standalone page with every card in the library. The tool below is the quick version.
Break-even is a return of 2.90% — exactly the fee. Above that you are ahead, below it you are paying for the privilege.
How it works
Every category is scored against every card already in the wallet. What comes back is a ranked list of changes and what each one is worth. The green chip is on every move that uses a card you already carry.
Eighteen cards scored, each with its fee and its yearly value to you. The last column is what the recommendation earns us. It reads nothing, on every row.
Annual fees buy statement credits that mostly go unclaimed. This household is carrying $424 of them. Each one is listed with its deadline.
Then bring your own statement — it is read in the browser and never uploaded. Start with the sample.
What’s different
Not one card on the list earns us anything. If that changes, it will be printed on the recommendation itself.
Each rate verified against the issuer’s own terms, last on 10 August 2026. Fourteen approximations are documented in the product rather than hidden.
The cards that lost are listed with their scores, including the ones that were not worth their fee on your spending.
Sign-up bonuses are excluded from every score. They pay once; a card has to be worth keeping in year two. Ranking on the bonus is how the rest of the category earns its commission.
Four scenarios
Run through the same engine. The first is what a card you do not yet hold would add. The rest is money already in your spending, going to the wrong card.
One card
$119/yrWhat adding an Amex Gold would earn, net of its fee.
Two cards
$552/yrRecovered by moving spend to the right card.
Three cards
$699/yrThe product’s own sample scenario.
Four cards
$6,998/yr96% recoverable in three changes.
Computed scenarios, not testimonials. Every figure here was produced by the engine from a stated set of spending, and every one of them reproduces in the tool.
Deal alerts
Alerts run inside the app against the programmes you hold. No prices here — award pricing moves daily and anything printed on a marketing page would be out of date before you read it.
Caribbean
Italy
Switzerland
Spain
Hawaii
Chile
“Compensation may affect how and where the cards appear on the site.” — a competitor’s actual disclosure, from their footer
| To us | |||
|---|---|---|---|
| Amex Gold | $325 | +$119 | nothing |
| Citi Strata Premier | $95 | +$78 | nothing |
| Capital One Venture | $95 | +$13 | nothing |
| Chase Freedom Flex | — | +$0 | nothing |
| BofA Customized Cash Rewards | — | +$0 | nothing |
13 more scored below this and were not worth their fee on your spending. Not considered, because you already carry it: Chase Freedom Unlimited.
“No issuer pays us today. If that ever changes, what we earn will appear on every recommendation — and will still play no part in the order.”
The subscription
The free version is not a trial and does not expire. It is the whole app against up to three of your own cards, with no account and no payment. This buys the features that cost us money to run.
27 cards · every rate checked against the issuer’s own terms · last verified 10 August 2026 · 14 approximations documented in the product
Nothing is paid placement. Every recommendation shows what we earn — today, nothing.
An email when something new ships. Nothing else, and you can leave at any time.
Every photograph on this page was taken by us.