Card Hub

Find your best card, with math instead of marketing.

Estimate your annual spend by category: groceries, gas, dining, travel, the rest. The Card Hub runs it across 1,709 cards and ranks them by what they actually return after annual fees. No more guessing games. Explore the Card Hub

The CreditMaxer app

Credit isn’t complicated. It’s just rarely intuitive.

The credit system runs on habits most people were never taught. CreditMaxer tracks everything that touches your credit, builds the right habits, catches every deadline, and maxes out what the system gives back. See every screen →

9:41

Wednesday, September 9

Welcome back, Maya

Credit score

300850

742

Very Good

FICO® 8 · Experian · as of Sep 2

Action items

2 moves to make

Pay Freedom Unlimited to zero

Due in 3 days · Sep 12

$184

Ask Capital One for a limit increase

Window open · soft pull

Upcoming 2

Pay Sapphire Preferred down to $120

By Sep 24 · AZEO reporting

$2,297

DCU auto loan payment

Due Sep 28

$328

Credit calendar

SMTWTFS

12345

6789101112

13141516171819

20212223242526

27282930

HomeAccountsToolsAssistantProfile

9:41

Cards & Loans

Accounts

Cards 3

10.2% USED

Available $22,899$2,60110.2%$0$25,500

Sapphire Preferred ·· 7203

$2,417 / $12,000

20.1%

Freedom Unlimited ·· 4821

$184 / $8,000

2.3%

Quicksilver ·· 3308

$0 / $5,500

Best rewards

BY CATEGORY

DiningSapphire Preferred

TravelSapphire Preferred

GroceriesFreedom Unlimited

1.5%

Loans 2

$20,160 LEFT

$468/mo$10,24033.7% paid$0$30,400

Auto

DCU Auto Loan

35% PAID

$11,960 left of $18,400

$328/mo · Due Sep 28

Student

Nelnet Student Loan

32% PAID

$8,200 left of $12,000

$140/mo · Due Sep 30

HomeAccountsToolsAssistantProfile

9:41

Advisory

Your step-by-step plan.

✓ Report ready742 → 771 (+29)

Now742→+29Projected771

Your payment history is spotless and your utilization is low. To maximize your card utilization score, run the AZEO method (see details).

medium

Ask Capital One for a limit increase

Building up your credit limit is a healthy habit that costs you nothing. Your Capital One card is eligible for a limit increase request.

How limit increases work →

medium

Report $120 on Sapphire, zero the rest

+9 pts

Pay Sapphire Preferred down to $120, about 1% of its limit, before the Sep 25 close. One small balance reporting (AZEO) scores better than $2,417.

low

Missing reward category

None of your cards earns a bonus on groceries, your biggest spend category. The Card Hub can rank the best fits from your real spend.

CreditMaxer does NOT pull your score. We tell users where they can get their free FICO 8 scores for each bureau and allow them to input it manually.

Card Hub · Calculate best card

Tell it what you spend. It does the math.

Six quick questions, one number each. The calculator prices every card in the catalog against your real spending, subtracts the annual fee, and ranks what’s left.

Step 01 / 07$0 assigned

Spend profile

What’s your total yearly card spend?

A rough number is fine. We’ll split it across categories next: anything you don’t assign is treated as all other purchases.

$36,000

Recommendations

Best estimated rewards.

4 ranked

1Ranked

Citi

Citi Double Cash®

MastercardCash back

Flat rate on every purchase

Estimated value back a year$0Rewards only, no annual fee

4Ranked

American Express

Blue Cash Preferred®

American ExpressCash back

Best on groceries · 6% at U.S. supermarkets

Estimated value back a year$0$0 rewards − $95 fee

2Ranked

Chase

Chase Freedom Unlimited®

VisaCash back

Best on dining · 3% at restaurants

Estimated value back a year$0Rewards only, no annual fee

3Ranked

Chase

Chase Sapphire Preferred®

VisaUltimate Rewards points

Best on dining · 3× points at restaurants

Estimated value back a year$0$0 rewards − $95 fee

Run it on your numbers

Illustrative spend and earn rates · the real thing prices the live catalog

Loan Hub

The right lender for every loan.

Auto, mortgage, personal, or student: the Loan Hub gathers the strongest offers for each loan type, sorts them by what you’d actually pay, and explains how every loan works before you borrow — down to share-secured starter routes for thin files.

Auto

Loan Hub · Auto

Auto loans.

5 lenders

LenderEst. APR rangeSoft pull

Capital OneBank

6.74% - 19.99%as of Sep 3, 2026YesDetails

PenFedCredit union · Membership required

4.19% - 17.99%as of Sep 3, 2026VariesDetails

ChaseBank

7.09% - 21.49%as of Sep 3, 2026NoDetails

Navy FederalCredit union · Membership required

3.99% - 18%as of Sep 3, 2026NoDetails

ConsumersCredit union · Membership required

5.49% - 15.99%as of Sep 3, 2026YesDetails

Sorted by est. APR · lowest: Navy Federal from 3.99%

Browse the Loan Hub

Illustrative APRs for comparison, not offers · your rate depends on credit, term, and lender

Credit Unions

Not a member?
You can be.

Credit unions have a reputation for being members-only clubs. Some are. Plenty more are open to anyone, and because they run as non-profits, their rates are hard for private lenders to beat.

Find one you can join

The 20 largest U.S. credit unions by assets · all in the directory

Also in the app

Score tracking

Your history, with the reason behind every move.

Simulator

Rehearse a payoff or a new card before you commit.

Action items

A dated to-do list built on your statement calendar.

Assistant

Ask anything. It answers with your actual numbers.

Privacy first

Your data. Your rules. Your judgment.

Read-only by design

Bank connections run through Plaid and can only read balances. CreditMaxer cannot move money or open accounts.

Consent, gated

Score display, data aggregation, and AI features are separate opt-ins. Turn any of them off whenever you like.

Locked down

Two-factor authentication, encrypted connections, and an audit trail on every sensitive change.

Coaching, not control

Every recommendation explains itself. You make the moves. It never acts on your behalf.

12,000+ banks and credit unions link read-only through Plaid

Learn it. Then max it.

Setup takes about five minutes: connect your accounts, see where you stand, and get your first plan the same day.

Download Now

Card Hub

Find your best card, with math instead of marketing.

The CreditMaxer app

Credit isn’t complicated. It’s just rarely intuitive.

9:41

Wednesday, September 9

Welcome back, Maya

Credit score

300850

742

Very Good

FICO® 8 · Experian · as of Sep 2

Action items

2 moves to make

Pay Freedom Unlimited to zero

Due in 3 days · Sep 12

$184

Ask Capital One for a limit increase

Window open · soft pull

Upcoming 2

Pay Sapphire Preferred down to $120

By Sep 24 · AZEO reporting

$2,297

DCU auto loan payment

Due Sep 28

$328

Credit calendar

SMTWTFS

12345

6789101112

13141516171819

20212223242526

27282930

HomeAccountsToolsAssistantProfile

9:41

Cards & Loans

Accounts

Cards 3

10.2% USED

Available $22,899$2,60110.2%$0$25,500

Sapphire Preferred ·· 7203

$2,417 / $12,000

20.1%

Freedom Unlimited ·· 4821

$184 / $8,000

2.3%

Quicksilver ·· 3308

$0 / $5,500

Best rewards

BY CATEGORY

DiningSapphire Preferred

TravelSapphire Preferred

GroceriesFreedom Unlimited

1.5%

Loans 2

$20,160 LEFT

$468/mo$10,24033.7% paid$0$30,400

Auto

DCU Auto Loan

35% PAID

$11,960 left of $18,400

$328/mo · Due Sep 28

Student

Nelnet Student Loan

32% PAID

$8,200 left of $12,000

$140/mo · Due Sep 30

HomeAccountsToolsAssistantProfile

9:41

Advisory

Your step-by-step plan.

✓ Report ready742 → 771 (+29)

Now742→+29Projected771

Your payment history is spotless and your utilization is low. To maximize your card utilization score, run the AZEO method (see details).

medium

Ask Capital One for a limit increase

Building up your credit limit is a healthy habit that costs you nothing. Your Capital One card is eligible for a limit increase request.

How limit increases work →

medium

Report $120 on Sapphire, zero the rest

+9 pts

Pay Sapphire Preferred down to $120, about 1% of its limit, before the Sep 25 close. One small balance reporting (AZEO) scores better than $2,417.

low

Missing reward category

None of your cards earns a bonus on groceries, your biggest spend category. The Card Hub can rank the best fits from your real spend.

CreditMaxer does NOT pull your score. We tell users where they can get their free FICO 8 scores for each bureau and allow them to input it manually.

Card Hub · Calculate best card

Tell it what you spend. It does the math.

Six quick questions, one number each. The calculator prices every card in the catalog against your real spending, subtracts the annual fee, and ranks what’s left.

Step 01 / 07$0 assigned

Spend profile

What’s your total yearly card spend?

A rough number is fine. We’ll split it across categories next: anything you don’t assign is treated as all other purchases.

$36,000

Recommendations

Best estimated rewards.

4 ranked

1Ranked

Citi

Citi Double Cash®

MastercardCash back

Flat rate on every purchase

Estimated value back a year$0Rewards only, no annual fee

4Ranked

American Express

Blue Cash Preferred®

American ExpressCash back

Best on groceries · 6% at U.S. supermarkets

Estimated value back a year$0$0 rewards − $95 fee

2Ranked

Chase

Chase Freedom Unlimited®

VisaCash back

Best on dining · 3% at restaurants

Estimated value back a year$0Rewards only, no annual fee

3Ranked

Chase

Chase Sapphire Preferred®

VisaUltimate Rewards points

Best on dining · 3× points at restaurants

Estimated value back a year$0$0 rewards − $95 fee

Run it on your numbers

Illustrative spend and earn rates · the real thing prices the live catalog

Loan Hub

The right lender for every loan.

Auto

Loan Hub · Auto

Auto loans.

5 lenders

LenderEst. APR rangeSoft pull

Capital OneBank

6.74% - 19.99%as of Sep 3, 2026YesDetails

PenFedCredit union · Membership required

4.19% - 17.99%as of Sep 3, 2026VariesDetails

ChaseBank

7.09% - 21.49%as of Sep 3, 2026NoDetails

Navy FederalCredit union · Membership required

3.99% - 18%as of Sep 3, 2026NoDetails

ConsumersCredit union · Membership required

5.49% - 15.99%as of Sep 3, 2026YesDetails

Sorted by est. APR · lowest: Navy Federal from 3.99%

Browse the Loan Hub

Illustrative APRs for comparison, not offers · your rate depends on credit, term, and lender

Credit Unions

Not a member?
You can be.

Credit unions have a reputation for being members-only clubs. Some are. Plenty more are open to anyone, and because they run as non-profits, their rates are hard for private lenders to beat.

Find one you can join

The 20 largest U.S. credit unions by assets · all in the directory

Also in the app

Score tracking

Your history, with the reason behind every move.

Simulator

Rehearse a payoff or a new card before you commit.

Action items

A dated to-do list built on your statement calendar.

Assistant

Ask anything. It answers with your actual numbers.

Privacy first