You're carrying the right card.
You're just not using it.
CC Optimized tells you which card in your wallet earns the most on the thing you're about to buy, and keeps a running list of the credits you haven't claimed yet this month.
Use this one
Amex Gold Card
$5.76
$0.96 better than your next best.
Citi Strata Premier
3x
$4.80
Chase Freedom Unlimited
3x
$4.05
Wells Fargo Active Cash
2%
$1.60
01 — Recommender
Every card, ranked in dollars
Ranked on what you are guaranteed to get in cash, so a 3x points card doesn't beat a 2% cash back card on an assumption you never agreed to. What those points could be worth transferred is shown too — as a separate answer, with the redemption named.
- Twelve purchase categories
- Guaranteed cash and best-case value, side by side
- A cheat sheet of your wallet's defaults
02 — Benefit tracker
The credits you keep forgetting
A $10 monthly credit is $120 a year, and it disappears at midnight on the 31st. CC Optimized lists every recurring perk on your cards for the period it's in, and you tick them off as you use them.
$10 Uber CashAmex Gold
$10
$10 dining creditAmex Gold
3 days left$10
$5 DoorDash creditSapphire Reserve
$5
Where we stand
A credit card app that never touches your credit card
CC Optimized works entirely off a catalog. You tell us which cards you own the way you'd tell a friend — by name. There is nothing here for an attacker to steal, because we never asked for it in the first place.
No numbers, no linking
No card numbers, no last four digits, no balances, no transactions, no bank credentials, no Plaid. The MVP has no field to put them in.
Standard, boring auth
Passwords are hashed and sessions issued by Supabase Auth. We didn't invent our own crypto. Your rows are isolated at the database level, not just in app code.
Leave whenever
Export everything as JSON in one click, or delete your account and have it gone immediately. No retention hostage-taking, no support ticket.
Read the full Privacy Policy — it's short, and written in sentences.
Stop leaving money on the counter
Add your cards once. Get the right answer every time, and a monthly list of what you haven't claimed.