How to Set Up Your Profile

Getting the most out of CardOptimizer starts with an accurate profile. The setup wizard walks you through entering the credit cards you currently hold — or have held in the past — so the eligibility engine can evaluate issuer-specific rules that depend on your card history.

This matters because many of the most important eligibility rules are retrospective. Chase's 5/24 rule counts how many new cards you've opened in the past 24 months. Amex's lifetime language checks whether you've ever held a specific card before. Citi's 48-month rule looks at when you last received a particular bonus.

In this video, you'll learn how to add cards to your wallet, set your credit score range and application preferences, and interpret the eligibility results that CardOptimizer generates. We'll also cover how to update your profile over time as you open new cards or close old ones.

By the end of this setup guide, you'll have a complete eligibility dashboard showing exactly which cards and bonuses are available to you right now.