Tell us what matters to you. We'll match you to the right cards, show exactly how much value you'd earn, and help you compare them side by side.
Step 1 of 5
Tip: Pick everything that sounds appealing — you don't need to know the jargon. We'll explain how each one works as you go.
What do you want from a card?
Select everything that appeals to you — we'll use this to filter and rank your matches.
How this works
Pick at least one goal to continue.
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What's already in your wallet?
Helps us spot real gaps — not just recommend cards you already have. We'll also use this to power the side-by-side comparison in your results.
Step 2 of 5
Tip: If you're starting fresh with no cards, just skip this step — we'll treat the full card universe as fair game.
Cards you already have
Tap any you own. This unlocks the break-even analysis and partner overlap view in your results. Skip if starting fresh.
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A bit about you
Used to filter out cards you likely wouldn't qualify for, and match the right fee tier to your situation. Nothing is stored.
Step 3 of 5
Tip: A $695 card can cost less than a $95 one if the credits cover more than the fee. We do this math automatically based on your spending.
Your profile
Takes about 30 seconds. Used only to filter eligible cards and match the right reward style to your situation.
How points & miles actually work
Select how you want to use rewards below to see an explanation.
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Your monthly spending
This is what separates a good recommendation from a great one. We use it to calculate real annual value, identify which card wins per category, and show you the exact break-even timeline.
Step 4 of 5
Tip: Rent is the most underrated spend category. At $2,500/mo, even a card earning 1x on rent generates 30,000+ points a year — from a bill you're already paying.
How do you spend each month?
Rough estimates are fine — we pre-filled US averages. Adjust anything that looks off for your situation.
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Your top matches
Ranked by goal fit, approval likelihood, and net annual value at your spend level.
Your results
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Tap any card to open a full analysis — compare it against your existing cards, model spend scenarios, and explore every transfer partner with its best sweet spot redemption.
Apply now links on each card go directly to the issuer. Always verify current terms before applying.
Share your results using the Copy link button above — anyone who opens it lands directly on your results.
Pick any two cards to compare fees, earn rates, credits and partners side by side.
Your top matches
Personalized to your goals, profile, and spending
Save your results
Download a summary or send it to your inbox to review later.
Sends a formatted summary to your inbox from results@swipewise.xyz.
Partner guides & redemption tips
Real-world examples of how to use the points you earn. Sorted by airline, hotel, and strategy — with specific sweet spots and booking tips for each program.