We can all use an extra windfall, especially if we're already paying for one. Credit cards are jam-packed with rewards, miles, points, and cashback bonuses, if you know how to use them. Knowing how to use them can be a full-time job in itself, though.
Luckily, there's an app for that — or a website, at least. CardCruncher is a financial technology startup that wants to help users match up with their most useful credit card options. It's free to use, and it operates in a pretty familiar way. If you already use budgeting apps like Mint or YNAB, you've connected your bank account for analysis and feedback. CardCruncher does the same thing, securely tallying up all your purchases for a given timespan and noticing where you like to spend.
Once the software has broken down your money habits, it pulls up a selection of credit cards that could be a good fit for you. Want more airline miles? Looking to donate to a charity as you shop? Just hoping for a better APR? CardCruncher can give you a rundown, along with an estimate of how much you would have saved or earned back with that card. Each credit card gets an easy-to-understand profile, with a pro/con summary you can skim and a deeper dive beyond.
It's worth considering what kinds of bias are built into a service like CardCruncher. One review points out that recommendations could gloss over some policy details that require a little more nuance. But if you're looking to improve your credit score or nab some sweet rewards, this could be a great way to do both.