Data-driven card intelligence

Know your card.
Know your money.

We run the real math on every card — rewards, fees, fine print — so you stop guessing and start earning. No sponsored rankings. Ever.

Free: The Card Match Guide — your perfect card in 90 seconds.

Claire
Claire
Your card analyst
8+ deep reviews
No paid placement
Updated Jun 2026
Cards Made Simple
Verified Pick
5142 •••• •••• 9427
VALID THRU 06/30
9.4CMS
SCORE
Amex Gold
Best for dining
+$847/yr
vs. your current card
As analyzed: Chase/Amex/Citi/Capital One/Discover/Bank of America
01 — Start here

Where are you right now?

Three doors. Each one is a complete, math-backed path — not a list of links.

Building credit

Score under 600? Follow the 500-to-700 roadmap — the exact moves, in order. Chapter one is free.

Start the rebuild →
Optimizing rewards

Reviews with the math actually done — points valuations, break-even on fees, no guessing.

See all reviews →
Fixing the budget

Claire finds the leaks. The Budget Audit shows what your current card quietly costs you.

Find your card →
02 — The reviews

Scored, not sponsored.

All 8 reviews →
★ Editor's pick
Dining & Groceries
•••• •••• •••• 4729
Gold Tier
9.4/10
CMS Verified Score
Travel · Annual fee $325

American Express Gold

4x points on dining and U.S. supermarkets. If your household spends heavily on food, nothing on the market returns more — and the math clears the fee at roughly $670/yr of dining.

•••• 2841
Travel 8.7
Chase Sapphire Preferred

Best entry-level premium travel card. Points worth 25% more on travel.

Read review →
•••• 6610
No annual fee 8.1
Citi Double Cash

2% on everything, no fee. The math floor every other card must beat.

Read review →
•••• 1903
Build credit 7.9
Discover it

Rotating 5% categories, first-year cashback match, friendly approval odds.

Read review →
03 — Find your card

Find your perfect card in 90 seconds.

Every card we score is weighed against its real numbers — rewards, fees, and the fine print. Pick a starting point and you'll get the ranked shortlist, with the reasoning shown.

Weighted against 240+ data points
No email required to see your match
Zero sponsored results
240+
Data points per card
8
In-depth reviews
$0
From banks for rankings
90s
To your match
04 — How we score

The math is the method.

Every CMS score is built from five weighted pillars. No bank pays for placement, and the weighting is public — so you can argue with it.

Claire
Reviewed by Claire
Every card is re-scored quarterly against live offers.

The Card Match Guide — free.

Join the weekly read on rewards, credit, and the fine print banks bury. The math done for you. No guessing.