Personalized Recommendations
Credit Card Recommendations
Get personalized credit card recommendations based on your portfolio, velocity status, and goals. Smart suggestions that consider 5/24, eligibility, and timing.
What are Personalized Recommendations?
With hundreds of credit cards available, choosing your next card can be overwhelming. Should you prioritize Chase cards while under 5/24? Should you wait for a better offer? Which card gives you the most value right now?
Our recommendation engine analyzes your complete portfolio—your cards, velocity status, SUB eligibility, timing constraints, and preferences—to suggest the best cards for you right now.
Every recommendation includes clear reasoning: why this card, when to apply, what value you'll get, and any warnings or considerations. No guesswork—just smart, data-driven suggestions.
How Our Recommendations Work
Portfolio Analysis
Analyzes your current cards, velocity status, and SUB eligibility to understand your situation.
Strategic Prioritization
Prioritizes cards based on value, timing, and strategic fit. Considers 5/24 status, velocity rules, and opportunity cost.
Clear Reasoning
Every recommendation includes detailed reasoning: why this card, when to apply, and what value you'll get.
Timing Guidance
Suggests optimal timing for applications, considers velocity windows, and warns about deadlines or expiring offers.
What We Consider
Value
Sign-Up Bonus Value
Net value after annual fees, estimated point values, and opportunity cost.
Eligibility
Velocity & SUB Rules
Your 5/24 status, velocity rules, SUB eligibility, and when you'll be eligible again.
Strategy
Strategic Fit
How well the card fits your goals, timing constraints, and overall churning strategy.
How It Works
Add Your Portfolio
Enter your current cards with approval dates. We'll automatically calculate your velocity status and eligibility.
Get Recommendations
Receive personalized recommendations with clear reasoning, value estimates, and timing guidance.
Make Smart Decisions
Know exactly which card to apply for next, when to apply, and why. No more guessing.
Ready to Get Recommendations?
Stop guessing which card to apply for next. Get personalized recommendations based on your complete portfolio and goals.