Every tool on the site, all free and all client-side: nothing you type leaves your browser. Grouped by what they help you do.
Plan your applications
5/24 calculatorYour Chase 5/24 status and the safe date for your next application, from your card open dates.Open the tool →
Credit utilization calculatorUtilization per card and overall, and what to pay before your statements close to reach 30% or 10%.Open the tool →
Which card nextYour 5/24 status and goal return the next card worth applying for.Open the tool →
Churning readiness checkerScore, 5/24 count, and recent accounts return a clear go or wait.Open the tool →Bonus eligibility checkerWhich issuer rules currently block you from a welcome bonus, with the tracker quote behind each verdict.Open the tool →
Application order plannerFive questions return your next three card moves, in the right order.Open the tool →
Minimum-spend plannerMap the spend on every open bonus so no deadline slips.Open the tool →
Card portfolio plannerTrack every card, your 5/24 count, and when older cards age off.Open the tool →
Keep-or-cancel calculatorKeep, downgrade, or cancel a card when the annual fee posts.Open the tool →
Annual fee calendarEvery fee you owe by month, with the decision date before each one posts.Open the tool →
Which cash-back cardThree quick questions match you to the best cash-back card from our five guides.Open the tool →
Credit utilization calculatorUtilization per card and overall, and what to pay before your statements close to reach 30% or 10%.Open the tool →
Which card nextYour 5/24 status and goal return the next card worth applying for.Open the tool →
Churning readiness checkerScore, 5/24 count, and recent accounts return a clear go or wait.Open the tool →Bonus eligibility checkerWhich issuer rules currently block you from a welcome bonus, with the tracker quote behind each verdict.Open the tool →
Application order plannerFive questions return your next three card moves, in the right order.Open the tool →
Minimum-spend plannerMap the spend on every open bonus so no deadline slips.Open the tool →
Card portfolio plannerTrack every card, your 5/24 count, and when older cards age off.Open the tool →
Keep-or-cancel calculatorKeep, downgrade, or cancel a card when the annual fee posts.Open the tool →
Annual fee calendarEvery fee you owe by month, with the decision date before each one posts.Open the tool →
Which cash-back cardThree quick questions match you to the best cash-back card from our five guides.Open the tool →
Value your points
Bonus value calculatorPrice any welcome offer in three honest numbers.Open the tool →
Transfer partner finderAny program: who transfers there, and at what ratio.Open the tool →
Award trip estimatorRough the miles a trip needs before you start earning.Open the tool →
Compare currenciesTwo points currencies side by side: partners, ratios, and a sweet spot.Open the tool →
Points value finderValue the sweet spots the guides document at your own cents-per-point rate.Open the tool →
Companion certificate calculatorWhat a Delta companion certificate saves, and whether it covers the fee.Open the tool →
Transfer partner finderAny program: who transfers there, and at what ratio.Open the tool →
Award trip estimatorRough the miles a trip needs before you start earning.Open the tool →
Compare currenciesTwo points currencies side by side: partners, ratios, and a sweet spot.Open the tool →
Points value finderValue the sweet spots the guides document at your own cents-per-point rate.Open the tool →
Companion certificate calculatorWhat a Delta companion certificate saves, and whether it covers the fee.Open the tool →
Reference
Issuer rules trackerEvery issuer application rule in one sortable table.Open the tool →
Churning statisticsThe sourced figures behind the hobby, ready to cite.Open the tool →
All guidesEvery guide on the site, grouped by topic with a one-line summary.Open the tool →
Transfer partner chartEvery airline and hotel partner in one table, with the ratio from each points currency.Open the tool →
Churning quizFive quick questions on the rules that decide your applications.Open the tool →
What is newEvery guide and tool update, newest first.Open the tool →Amex Platinum credits trackerCheck off the Amex Platinum credits you will use and see your total against the $895 fee. Confirm current fees at American Express.Open the tool →
Churning statisticsThe sourced figures behind the hobby, ready to cite.Open the tool →
All guidesEvery guide on the site, grouped by topic with a one-line summary.Open the tool →
Transfer partner chartEvery airline and hotel partner in one table, with the ratio from each points currency.Open the tool →
Churning quizFive quick questions on the rules that decide your applications.Open the tool →
What is newEvery guide and tool update, newest first.Open the tool →Amex Platinum credits trackerCheck off the Amex Platinum credits you will use and see your total against the $895 fee. Confirm current fees at American Express.Open the tool →