About Us
We help you get more value from the cards you already carry — and find better ones when it makes sense.
Our Mission
At Credit Card Optimizer, we believe everyone should understand the real dollar value of their credit cards — not just the marketing headline. Our platform analyzes spending patterns and ranks cards by ongoing annual value: rewards earned plus perks and credits you'll actually use, minus the annual fee — with welcome bonuses shown separately as first-year value.
How We're Different
Most comparison sites lead with signup bonuses or generic "best card" lists. We start with your spend — groceries, dining, travel, online shopping — and show exactly why a card ranks where it does. Every assumption is documented in our methodology.
We use conservative point valuations and realistic perk utilization so rankings reflect what you're likely to earn, not a best-case scenario.
Data-Driven
Recommendations based on your spending categories and our rewards engine — not generic advice.
Transparent
We disclose affiliate relationships and publish our valuation formulas publicly.
Independent
Credit Card Optimizer is not a bank or lender. We do not make credit decisions or issue cards.
Who Runs This Site
Credit Card Optimizeris independently built and operated by Jordan, a credit card rewards enthusiast who got tired of "best card" lists that never showed the math. Every valuation on this site comes from a single open calculation engine — not sponsorship placement — and the full formula is published on our methodology page.
Editorial Standards
Our guides and articles explain how we think about rewards strategy — annual fees, category bonuses, merchant-specific earn rates, and wallet optimization. Content is written to be useful first; when we link to card applications, we may earn an affiliate commission at no cost to you. See our advertising disclosure.
Questions or corrections? Reach us at hello@creditcardoptimizer.com.