CardGenius — Smart Card Recommendations

Recommends the best credit card at checkout: rewards (in $ or points), rotating categories, protections, and points-pooling.

CardGenius tells you which credit card to use at checkout, so you stop guessing and stop leaving rewards behind. When you reach a cart or checkout page, CardGenius reads the order total on the page, checks the cards you told it you carry, and shows a small recommendation box with the card that gives you the most value on that purchase, plus the runners-up. HOW IT DECIDES Net value = rewards + purchase protection + any synced offers − your card's daily annual-fee share. It is not just the headline rate. A premium card has to earn its fee; a no-fee card can win. WHAT YOU GET • Net-value ranking of the cards in your wallet, with a plain-language "Why this card" breakdown • Rewards shown in dollars or in the card's own points/miles (one-tap switch) • Rotating and choose-your-own categories (Discover it, Chase Freedom Flex, Bank of America Customized Cash, US Bank Cash+), updated for Q4 2026 • Spending-cap awareness: bonus rate up to the cap, base rate after • Purchase protection valued conservatively and only where it applies • Points pooling for the Chase Ultimate Rewards family • 238 cards across 11 countries: United States, Canada, United Kingdom, Australia, India, Japan, South Korea, Sweden, Norway, Switzerland and Iceland, each shown in its local currency • Foreign-currency shops: if a site charges in a different currency than your cards, CardGenius converts the total using public exchange rates and tells you it did • Optional, off-by-default Personalized Offers (beta) for Chase accounts • Modern light, dark and system themes; works on phones and small windows with a bottom-sheet layout • Sort, search and filter the card list; see your wallet and total annual fees at a glance PRIVATE BY DESIGN • Your cards and settings stay on your device. CardGenius never asks for card numbers. • No account, no analytics, no ads, no tracking, no data sold or shared. • It only activates on pages that look like a cart, checkout, payment, order, shipping or billing page. • The only network request is a public exchange-rate lookup, and only when a shop's currency differs from your cards'. It contains currency codes and nothing about you or your purchase. • Offer sync is opt-in. By default it only reads offers already shown on your Chase account page; you choose whether to enable it. SET UP IN A MINUTE 1. Install, then pick your country and the cards you carry. 2. If you have a rotating-category card, tell CardGenius this quarter's category. 3. Shop as usual. The recommendation appears at checkout. GOOD TO KNOW CardGenius provides estimates for information only, not financial advice. Rates, caps, point values, protections and fees change; your card agreement always governs. Exchange rates are reference rates and do not include your card network's rate or any foreign transaction fee. It cannot see how much of a cap you have already used. Some bonus structures (for example mobile-wallet-only or previous-month-spend bonuses) are not modeled; each card's data notes these where relevant. CardGenius is not affiliated with, endorsed by or sponsored by any card issuer, payment network or retailer. Names are used only to identify products.