1
Tell us about your cards
Which cards you have, when you opened them, and any bonuses you’ve received.
Eligibility-first command center
Find the next credit card worth your application slot.
CardOptimizer turns issuer rules, wallet history, welcome-offer strength, and annual-fee fit into a decision page — before you burn a hard pull.
Catalog
134
active cards
Issuers
10
rule families
Verified
134
confirmed offers
Includes 30 premium cards, Chase 5/24, Amex lifetime language, Citi velocity, Marriott cross-issuer logic, and wallet-aware duplicate checks.
Live optimizer
Best offer radar
Top current match
Business Platinum
Amex · $895 AF
Score
100
Public application flows may show as high as 300,000 Membership Rewards points after $20,000 in eligible purchases within the first 3 months. The top amount appears variable/dynamic; verify the exact terms before applying. A 200,000-point NLL offer remains the conservative baseline to compare against.
Rules
5/24 + issuer
Offers
scored live
Wallet
private
What is CardOptimizer?
Credit card eligibility and recommendations before you apply.
CardOptimizer checks issuer rules like Chase 5/24, Amex lifetime bonus language, Citi velocity limits, Sapphire 48-month rules, and Marriott cross-issuer restrictions against your wallet.
The recommendation engine ranks cards by eligibility, welcome offer strength, annual fee fit, spending categories, and travel preferences so the first result is useful, not just advertised.
How it works
3 simple steps to smarter card choices
2
We check 21 issuer rules
Chase 5/24, Amex lifetime bonus, Citi velocity, family restrictions, and more.
3
See what you qualify for
Personalized recommendations ranked by offer strength and eligibility.
Why CardOptimizer?
Most credit card comparison sites rank cards by advertising revenue or user reviews. CardOptimizer takes a fundamentally different approach: we start with eligibility.
Eligibility-First Analysis
We evaluate 21 documented issuer rules — from Chase 5/24 and Amex lifetime language to Citi velocity limits and Delta family restrictions. Each rule is applied against your specific card history, not generic guidelines.
Transparent Methodology
Every eligibility decision shows exactly which rules were evaluated and why a card is marked eligible or restricted.
Offer Strength Scoring
Our scoring engine rates every sign-up bonus on a 0-100 scale based on current value versus historical averages, net value after annual fees, and ongoing benefit offsets. Know when an offer is worth acting on.
Privacy-First Design
Your profile data is stored locally by default. Sign in to sync across devices — we never pull your credit report and never share your information with card issuers. You control what you share.
Verified & Tested
We verify offers against official issuer pages regularly, and every eligibility rule is validated against real-world scenarios and edge cases. Automated checks catch inconsistencies before they reach you.
Get personalized recommendations
Answer a few questions to see which cards you actually qualify for.
Top Credit Card Offers
Sorted by offer strength. Complete your profile to see eligibility.
93 eligible
Strong Offers
12 cardsCards with the best current welcome bonuses.
Card data last updated: 2026-05-18
Frequently Asked Questions
What is CardOptimizer?
CardOptimizer is a free tool that checks 21 credit card issuer rules to tell you which cards you’re eligible for before you apply. It prevents wasted hard pulls by analyzing rules like Chase 5/24, Amex lifetime bonus, Citi 48-month, and more against your profile.
Is CardOptimizer free?
Yes, CardOptimizer is 100% free with no sign-up required. You can optionally create an account to sync your profile across devices, but all eligibility checks work without one.
What issuer rules does CardOptimizer check?
CardOptimizer checks Chase 5/24, Amex lifetime bonus, Amex card limit, Citi 48-month, Citi velocity, Sapphire 48-month, Marriott cross-issuer, and 11+ card family rules covering Delta, Hilton, Southwest, United, and more.
How accurate is the eligibility check?
Rules are based on publicly documented issuer policies and widely reported data points from the credit card community. We update card data regularly but recommend verifying current terms on the issuer’s website before applying.
Does using CardOptimizer affect my credit score?
No. CardOptimizer never pulls your credit report. All eligibility checks run locally in your browser using only the information you provide, analyzed against known issuer rules.
What is the Offer Strength score?
Every sign-up bonus is scored 0-100 based on how the current offer compares to the card's typical/historical bonus, the net value after annual fees, and any ongoing benefits like free nights or airline perks. Scores of 75+ are rated 'great,' 55-74 are 'above average,' and below 55 are 'standard.'
Do I need to create an account?
No. All eligibility checks work without an account. Creating a free account lets you sync your wallet and preferences across devices, but it is completely optional.
How often is card data updated?
We verify offers against official issuer pages regularly. Each card shows a 'last verified' date so you know how current the information is. We prioritize updating high-priority cards and any cards with expiring offers.
Can CardOptimizer help me decide which card to get first?
Yes. After entering your wallet and preferences, CardOptimizer ranks eligible cards by offer strength and fit. For beginners, we recommend starting with cards from issuers that have the strictest rules (like Chase's 5/24) before branching out to more flexible issuers.
What does 'WAIT' status mean on a card?
A 'WAIT' status means you aren't currently eligible but will become eligible after a specific time period — usually because of a cooldown rule like Citi's 48-month restriction or the Sapphire 48-month rule. CardOptimizer tells you how long you need to wait.
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Get notified when offers change or new cards are added.
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