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 build on what you have and avoid cards you can't get.
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 works around issuer rules, your spend capacity, and signup bonus deadlines.
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” listicle.
Couples & Partner Support
Plan for both you and a partner. Coordinate applications across two wallets to earn more signup bonuses together.
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 each card's minimum spend requirement. No plans that set you up to fail.
Retention Reminders
Know exactly when to call for a retention offer or cancel before your annual fee hits.
Every Issuer Rule, Built In
Chase's 5/24 limit, Amex's once-per-card rule, Citi's cooling periods — we track them all so you don't get denied.
Instant, No Signup
Get personalized recommendations in minutes. No account needed, no data stored.
50+
Cards in Database
15+
Issuer Rules Tracked
<3 min
Time to Plan
$10k+
Avg. First-Year Value
“I had one Chase slot left before hitting their limit and no idea which card to pick. 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