Deterministic portfolio optimization powered by aggregate spend input and public product economics. Compute renewal decisions, break-even thresholds, and optimal card usage — via REST or MCP.
Rewards structures vary by category, tier, and issuer — with caps, thresholds, and rotating bonuses that change quarterly.
Benefits change frequently. Sign-up bonuses expire, perks get devalued, and new credits appear mid-cycle.
Annual fees distort true card value. A $695 fee card can be worth keeping or worth canceling depending on spend patterns.
Multi-card portfolios create combinatorial complexity. The best card for dining depends on what other cards you hold.
Structured, deterministic outputs for every core credit card decision.
Should a cardholder keep or cancel? Model the annual fee against estimated rewards and credits to produce a clear verdict.
Compute the exact spending threshold where a card's rewards offset its annual fee. Per-category and portfolio-wide.
Analyze a full card portfolio. Identify overlap, coverage gaps, and net value across all spending categories.
Given a spending category and a portfolio, return the card that maximizes rewards for that transaction.
Surface cards that fit a user's spend profile. Filter by rewards structure, annual fee, issuer, and category strength.
Compare two or more cards side by side. Rewards rates, fees, credits, and net value against a given spending pattern.
No transaction-level data. No bank credentials. Designed for compliance from day one.
Ship card intelligence into your product in hours, not quarters.
Whether you're building a copilot, a banking app, or a fintech tool — card intelligence should be a service, not a spreadsheet.
Give AI agents structured credit card data they can reason over. MCP-native integration for copilot workflows.
Help cardholders understand their portfolio value, optimize usage, and make informed renewal decisions.
Add card intelligence to budgeting, expense management, or financial planning products. No PII required.
Analyze a credit card portfolio, evaluate renewal decisions, and test optimization strategies using the same modeling engine that powers the API.
Create a free account to keep track of your cards and revisit your analysis anytime.
Start free. Scale when you're ready.
Free tier included. No credit card required.