CardCurator MCP
Source-backed credit-card, points, transfer-bonus, and award-travel decisions: which card to get, use, or keep.
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Free · No account needed to start · Ranked by fit, not commission
Know exactly which card to get, use, and keep.
CardCurator looks at the cards you have, how you spend, and where you want to go—then gives you one clear next move, with the math and sources behind it.
No bank login required. Your wallet stays on your device until you save it.
Three decisions, one place
Get the answer you actually need.
Get
Should you get another card at all?
Sometimes the answer is no. If yes, find the one that fits your spend—not the biggest bonus ad.
Use
Which card should you use for this purchase?
Use the right card at checkout, claim credits you already pay for, and earn toward a trip you want.
Keep
Is this card still worth its annual fee?
Decide to keep, downgrade, or close using your numbers before the fee hits again.
Browse by category
Find the best card for how you spend.
Pick a category—see the top pick, the no-fee fallback, and the break-even.
[
Travel
Find cards](https://cardcurator.ai/best-credit-card-for/travel)
[
Dining
Find cards](https://cardcurator.ai/best-credit-card-for/dining)
[
Groceries
Find cards](https://cardcurator.ai/best-credit-card-for/groceries)
[
Gas
Find cards](https://cardcurator.ai/best-credit-card-for/gas)
[
Airlines
Find cards](https://cardcurator.ai/best-credit-card-for/airlines)
[
Hotels
Find cards](https://cardcurator.ai/best-credit-card-for/hotels)
[
Car rentals
Find cards](https://cardcurator.ai/best-credit-card-for/car-rentals)
[
Rideshare
Find cards](https://cardcurator.ai/best-credit-card-for/rideshare)
[
Online shopping
Find cards](https://cardcurator.ai/best-credit-card-for/online-shopping)
[
Streaming
Find cards](https://cardcurator.ai/best-credit-card-for/streaming)
[
Drugstores
Find cards](https://cardcurator.ai/best-credit-card-for/drugstores)
[
Rent
Find cards](https://cardcurator.ai/best-credit-card-for/rent)
Rewards intelligence
Latest from the blog
[
News November 9, 2026 6 min
Weekly Recap: Nov 2-8 - Hotel Card Bonuses, Transfer Bonuses & Copa
A packed rewards week brought bigger Marriott and Hyatt offers, a new Capital One partner, and transfer bonuses to Turkish, Virgin, Avios, and more today.
weekly recap credit card news travel rewards +2 more
November 2-8 was a strong week for travelers with specific plans: several $95 hotel cards picked up headline offers, and transferable-points issuers opened...
Read article
](https://cardcurator.ai/blog/weekly-recap-2026-11-02)[
News November 2, 2026 5 min
Weekly Recap: Oct 26-Nov 1 - Southwest Offers, Avios & Citi Transfers
Southwest’s elevated offers, 90,000-Avios cards, Citi’s Copa partnership, and a 10% Cathay transfer bonus led rewards news October 26-November 1 this week.
weekly recap credit card news travel rewards +2 more
The October 26-November 1 cycle was unusually good for people with a near-term use for airline points. Southwest’s big public offers, 90,000-Avios bonuses, a...
Read article
](https://cardcurator.ai/blog/weekly-recap-2026-10-26)[
News October 28, 2026 6 min
Bilt’s 2027 Card Changes: What to Do Before November Rent Day
Bilt is reshaping card benefits in 2027 while November Rent Day offers gift-card bonuses and hotel discounts. Here is what existing and prospective cardholders need to know.
bilt rewards bilt rent day bilt cash +2 more
Bilt has packed two very different stories into the end of October: a limited November Rent Day promotion and a meaningful 2027 rewrite of its card-benefit...
Read article
](https://cardcurator.ai/blog/bilt-2027-card-changes-november-rent-day)[
News October 26, 2026 4 min
Weekly Recap: Oct 19-25 - Citi Transfers, Southwest Changes & Virgin Bonus
Citi added Copa and a Cathay bonus, Southwest reshaped elite status, and new Virgin Atlantic and Marriott transfer bonuses opened timely options for travelers.
weekly recap credit card news travel rewards +2 more
October 19-25 was a transfer-partner-heavy week, with Citi expanding its options and several worthwhile bonuses landing at once. Southwest also rewrote some...
Read article
](https://cardcurator.ai/blog/weekly-recap-2026-10-19)[
News October 19, 2026 4 min
Weekly Recap: Oct 12-18 - Chase PointsBoost, Avios Bonus & Hyatt/Aeroplan
Chase added 2.5-cent PointsBoost hotels, Capital One launched an Avios bonus, and Hyatt-Aeroplan opened new earning, transfer, and elite-status opportunities.
weekly recap credit card news travel rewards +2 more
October 12-18 brought a compact but useful set of rewards developments: select Chase Travel hotel redemptions got much better, two transfer bonuses opened...
Read article
](https://cardcurator.ai/blog/weekly-recap-2026-10-12)[
Travel Rewards October 18, 2026 7 min
Capital One Miles Guide: Cards, Transfers, and Redemptions in 2026
A current guide to Capital One miles: which cards earn them, current transfer partners and ratios, Purchase Eraser, and when a transfer is worthwhile.
capital-one-miles capital-one-venture-x transfer-partners +1 more
Capital One miles work best as a simple system, not a category puzzle. The useful setup is straightforward: earn a flat 2x on everything with Venture X or...
Read article
](https://cardcurator.ai/blog/capital-one-miles-guide)
How it works
1
Add the cards you carry. No bank login needed.
2
Tell us how you spend or the trip you want.
3
Get one clear next move—with why, what would change it, sources, and a freshness date.
No black-box rankings
Every answer explains itself.
See the trade-offs, card terms, and what would need to change before a new card makes sense.
Example next-card decision
Keep your current setup for now.
Why
The fee outweighs rewards at this spend.
Instead
Use an existing card for the category gap.
This changes if
Travel or dining spend rises materially.
For businesses
One card change: about 360,000 extra points per year.
Attic Fanatics USA put $20k+ per month of Meta ads on a 1.5x card. Moving that spend to a 3x card produced about 360,000 extra points a year. The $795 annual fee is shown: at 1.5¢ per point, that is roughly $4,600 net.
Fit-ranked, not commission-ranked
Sources and freshness shown
No bank connection required
Free to use; referral commission may be earned
How we rank and disclose commissions
Questions, answered
Start with a decision, not a list.
Built from 315 supported card records and the terms behind each recommendation.
Is there an AI tool that tells me which credit card to use?
Yes. CardCurator is a free decision engine that tells you which card to get, which card in your wallet to use, and which cards to keep based on your cards and spending. Add cards manually—no bank login required—and get one clear next move with the math and sources behind it. Get my next move.
What does CardCurator do?
It answers three decisions: which card to get next (if any), which card in your wallet to use, and which cards are still worth keeping—based on your cards and spend, with reasoning and sources shown.
Is it really free?
Yes. We may earn a referral commission if you apply through a link; that does not change the ranking.
Do I need to connect my bank?
No. Add cards manually; no bank login is required to start.
How is this different from “best cards” lists?
Lists rank for everyone, often by commission. CardCurator ranks for your wallet and spend—and sometimes the answer is to keep what you have.