How it works
Card Optimizer

Stop leaving money
on the table.

Connect your bank. We'll analyze 12 months of spending across 23 categories and show you exactly which card puts the most money back in your pocket.

$0avg. unclaimed rewards per year
Bank-level encryptionRead-only accessFree forever
How it works

Three steps. Zero guesswork.

1

Connect your bank

Securely link via Plaid in seconds. We get read-only access to your transactions, never your credentials.

256-bit encryption
2

We crunch the numbers

12 months of spending analyzed across 23 categories and 45+ cards. Every bonus rate, cap, and fee factored in.

45+ cards compared
3

See your winner

Get your top card ranked by ongoing annual value, with a full breakdown of where every dollar comes from.

Results in seconds
Why this exists

Credit card marketing is designed to confuse you.

Every “best card” list is paid for. Every “up to 5x” has a cap they bury in the fine print. The entire system is built to make you feel like you're winning while leaving real money on the table.

We built CreditCardPoints.ai because we were tired of it. No sponsored rankings. No affiliate-driven “top picks.” Just your actual spending against every card's actual math. The answer might surprise you.

Built for cardholders, not card issuers.
What they say"Best rewards card of 2026"
What we seeBest for who? Their ad budget or your grocery bill?
What they say"Earn up to 5x points!"
What we seeOn $1,500 a quarter, in a category you don't use, with a cap they don't mention.
What they say"$200 sign-up bonus!"
What we seeAfter you spend $4,000 in 3 months to break even on a $95 fee.
What you get

Everything you need to optimize your wallet

Your Best Card

Ranked by real math, not marketing

Every card scored by ongoing annual value after fees. See exactly how much each card earns across your actual spending categories.

🏆
Chase Sapphire Preferred
Chase
$1,247
Ongoing value per year
Rewards$1,342
Annual Fee-$95
3x Dining3x Travel2x Groceries
Spending Breakdown

Know where every dollar goes

Your transactions sorted into 23 categories with a visual breakdown. See your top spending areas, monthly averages, and how it all adds up over 12 months.

Spending BreakdownLast 12 months
$42,800
total
Dining 22%Groceries 18%Travel 15%Gas 12%Shopping 10%Other 23%
Merchant Insights

See your top merchants

Discover where you spend the most and which card earns the best rate at each store. Amazon, Costco, Target and more, all accounted for.

Top Merchants4 merchants
1
Amazon
$4,200
2
Whole Foods
$2,880
3
Target
$1,920
4
Costco
$1,680
All Cards

45+ cards. Ranked by what matters.

Browse every card we track with full reward rates, fees, and bonus details.

Chase Sapphire Reserve®Points
Chase Sapphire Reserve®
Chase
Rewards rate1x - 4x
4x flights & hotels, 3x car rental, transit/rideshare & 3 more
Intro offer$1,875Spend $6,000 in 3 mo
Annual fee$795
Potential rewards
$618/yrSee your rewards →
Chase Sapphire Preferred®Points
Chase Sapphire Preferred®
Chase
Rewards rate1x - 3x
3x dining, groceries & 1 more, 2x flights, hotels & 4 more
Intro offer$938Spend $5,000 in 3 mo
Annual fee$95
Potential rewards
$616/yrSee your rewards →
Security

Your data stays yours

We built this the way we'd want it built for ourselves.

Bank-level encryption

Your data is encrypted in transit and at rest with AES-256, the same standard used by major banks.

Read-only access

We can only view your transactions. We can never move money, make charges, or access your login credentials.

Powered by Plaid

We connect through Plaid, the same infrastructure used by Venmo, Robinhood, and thousands of financial apps.

Delete anytime

One click to disconnect your bank and remove all your data. No hoops, no retention, no tricks.

Ready to find your best card?

Most people discover $400–800 in unclaimed rewards per year. It takes 30 seconds to find out.

Bank-level encryption · Read-only access · Results in seconds