WE BUILT CARDPICK BECAUSE FINDING A CREDIT CARD SHOULD NOT FEEL LIKE A SPREADSHEET.
THE STATUS QUO
SEARCH FOR "BEST CREDIT CARD" ONLINE. YOU WILL FIND ARTICLES RANKING 30+ CARDS, WITH TABLES COMPARING REWARD RATES ACROSS 6 CATEGORIES.
IT IS OVERWHELMING BY DESIGN. THESE LISTS EXIST TO GENERATE AFFILIATE REVENUE FROM EVERY POSSIBLE BANK, NOT TO HELP YOU MAKE A DECISIVE CHOICE. WE WANTED A TOOL THAT DOES THE MATH FOR YOU, SILENTLY, AND SPITS OUT THE SINGLE MATHEMATICALLY CORRECT ANSWER.
THE ENGINE
OUR DETERMINISTIC 5-STEP MATCHING PROCESS REDUCES NOISE TO ZERO.
ELIGIBILITY GATES
WE IMMEDIATELY DROP ANY CARD YOU CANNOT GET BASED ON YOUR INCOME BRACKET. NO FALSE HOPE.
FEE TOLERANCE
WE FILTER BY YOUR WILLINGNESS TO PAY ANNUAL FEES (ZERO, NOMINAL, OR PREMIUM).
SPEND VECTORING
WE MAP YOUR TOP 2 SPENDING CATEGORIES AGAINST EVERY CARD'S ACCELERATED REWARD STRUCTURE.
REWARD MECHANICS
CASHBACK VS POINTS VS MILES. WE ENFORCE YOUR PREFERRED REDEMPTION METHOD.
APPROVAL PROBABILITY
WE TIEBREAK THE REMAINING CARDS BY YOUR CREDIT SCORE TO MAXIMIZE YOUR ACTUAL APPROVAL ODDS.
TRANSPARENCY
COMPLETELY FREE
CARDPICK IS A 100% FREE PUBLIC UTILITY. WE DO NOT CHARGE USERS, AND WE DO NOT OPTIMIZE OUR RECOMMENDATIONS FOR AFFILIATE COMMISSIONS OR BANK PARTNERSHIPS.
THE RULE: OUR ALGORITHM IS ENTIRELY IMPARTIAL. THE ABSOLUTE BEST MATHEMATICAL MATCH ALWAYS WINS.
WHO WE ARE
WE ARE A SMALL TEAM OF DEVELOPERS WHO WERE TIRED OF OPTIMIZING OUR WALLETS USING COMPLEX SPREADSHEETS. WE BUILT THE TOOL WE WANTED TO USE: ONE THAT ASKS THE ABSOLUTE MINIMUM NUMBER OF QUESTIONS TO FIND THE OPTIMAL CARD.
READY TO FIND OUT?
SKIP THE RESEARCH. LET THE MATH DECIDE.