No account
A real look before you share anything.
- Programs library
- All sample demos
- Start wallet setup
Your wallet, translated
Know which card wins before you pay.
Build a wallet in under 5 minutes. See conservative values, category-by-category card guidance, and the math behind every answer.
No payment card requiredNo affiliate biasReceipts for every answer
Card Duel
Sample monthly groceries$600
Freedom Unlimited1.5% cash back$0
Amex Gold4× MR × 0.60¢ floor$0
Amex Gold leads by $5.40 estimated monthly rewards value at floor valuations.
Automatic spending
Bring in recent spending
Plaid opens your bank sign-in. Points & Prompts never sees your login.
Automatic import arrives later. Manual entry is ready now.
Automatic import is available. Connect once to fill monthly categories.
Enter spending manuallyConnect a bank94cards with sourced rules
38airline and hotel programs
Floor firstconservative value shown
$0affiliate influence
The access model, plainly
Start free. Pay when the full analysis helps.
No blurred answers and no surprise wall after data entry. A free account gives one fully actionable recommendation. Beta and Pro apply the same complete analysis to every category.
Your first answer
$0. No payment card required.
- Saved wallet values
- One complete card recommendation
- 3 answered AI conversations per UTC month
Every category
$5/month or $48/year, save 20%.
- Every category answered
- Unlimited AI
- Full Points Strategy
- Reports and alerts as they launch
The flagship value demo
See the leak. Then see the better card.
Free shows one complete answer. Beta and Pro reveal product-grounded sample recommendations and animate the move from an assumed card to the better card. Every figure is estimated incremental rewards value at floor valuations, never “money lost.”
One insight proves the method. The full grid applies it everywhere.
Each beat compares the same monthly spend against two cards in the sample wallet. The current choice dims, the optimized choice lands, and the incremental value counts up.
Sample categories, wallet, and monthly spend. Floors: Membership Rewards 0.60¢, Ultimate Rewards 1.00¢. Caps and eligibility still apply.
Category value map
Groceries · complete free insightFree
AssumedFreedom Unlimited$9.00/mo
→
OptimizedAmex Gold · 2.4¢/$$14.40/mo
+$/mo estimated incremental value
DiningBeta / Pro
Complete answer available. No recommendation data is returned in Free.
AssumedFreedom Unlimited$4.50/mo
→
OptimizedAmex Gold · 2.4¢/$$7.20/mo
+$/mo estimated incremental value
TravelBeta / Pro
Complete answer available. No recommendation data is returned in Free.
AssumedAmex Gold · 1×$1.80/mo
→
OptimizedSapphire Preferred · 2×$6.00/mo
+$/mo estimated incremental value
Everything elseBeta / Pro
Complete answer available. No recommendation data is returned in Free.
AssumedAmex Gold · 1×$3.00/mo
→
OptimizedFreedom Unlimited · 1.5%$7.50/mo
+$/mo estimated incremental value
Sample optimized grid: estimated incremental rewards value across these four examples.
The concept contains sample paid values for demonstration. Production Free must receive no hidden paid recommendation data from the server.
Product demos with a visible story
Watch the wallet assemble, the value change, and the answer arrive.
Each demo starts when it enters view, loops while visible, and has Replay. Reduced-motion users receive the complete final state with no timed movement.
Wallet Reveal
Four balances. One conservative floor total.
Conservative floor total
Value Drop Alert
Chase to World of Hyatt
Before1:1
1,000 Chase → 1,000 Hyatt
After4:3
Hyatt points
Effective October 1, 2026
Sapphire Preferred and Ink Business Preferred change to 4:3. Sapphire Reserve keeps 1:1. Bilt remains 1:1. Source and next step included.
Sapphire Preferred and Ink Business Preferred change to 4:3. Sapphire Reserve keeps 1:1. Bilt remains 1:1. Source and next step included.
Coming to Beta + Pro. No invented urgency.
Ask P&P
Ask like a person and always get the receipts.
The question appears, a typing indicator works, then the answer and math arrive together.
Sample wallet answer
Lisbon in March: points or cash?
Start with cash for this fare.
At $640 round-trip, 48,000 Chase points need to return more than 1.33¢ each to beat cash.
$640 ÷ 48,000 = 1.33¢/point
Conservative Chase floor: 1.00¢. Check the exact award price before transferring.
Conservative Chase floor: 1.00¢. Check the exact award price before transferring.
A clear next step
Build free now. Help shape Pro in the founding beta.
Twenty-five accepted testers receive the first year of Pro free in exchange for candid feedback. When the year ends, there is a clear choice and no automatic charge.
Your wallet takes under 5 minutes.
Start with cards and balances, then add monthly spending manually. Plaid launches later.