What Card Optimizer is
Card Optimizer suggests which of the credit cards you hold to use for a purchase, based on each card’s published rewards. It’s free. There are no fees, subscriptions, in-app purchases or ads, so there is nothing to refund.
Estimates, not guarantees
Earn rates come from card issuers’ public terms as of the date shown for each card, and points are converted to dollars at typical values, not a price anyone guarantees. Issuers change rates, caps and categories, merchants may code a purchase differently than expected, and your own card agreement may differ. Check with your issuer before relying on a rate. Nothing in the app is financial advice, and it doesn’t recommend applying for any card.
Card Optimizer isn’t affiliated with or endorsed by any card issuer or payment network, and isn’t paid by them. Card and issuer names are trademarks of their owners.
Your account
You need to be 18 or older to create an account. Keep your password to yourself; you’re responsible for what happens under your account. You can delete it, or the data saved without one, at any time from the top of the app.
Fair use
Don’t use the app to break the law, try to get into other people’s data, overload or attack the service, or copy the card catalog in bulk. We may block access that does.
No warranty
The app is provided as is, without warranties of any kind, and may change or stop at any time. To the extent the law allows, we aren’t liable for rewards you didn’t earn, fees or any other loss from using it.
Changes and contact
If these terms change, the date at the top will change with it. Questions: [email protected].