What you get
- The right card for you, not a top-10 list. I look at the cards you already have, when you opened them, how you spend and where you want to go.
- Why it fits. The reasoning behind the pick, including bank rules like Chase 5/24 that decide whether you’ll be approved.
- The best offer I can find. When I have a referral link for the card that’s right for you, I’ll send it with your rec. It never costs you anything and helps keep these recs free. If the public offer is better, I’ll send you that one instead.
- Sent to you directly, as a Discord or Instagram DM.
How it works
- Create a free Premium Finance account and add your credit cards, even ones you closed, with about when you opened each one. An estimated month and year is fine.
- Turn on card sharing in the app, so I can see the cards you added and their dates. Nothing else is shared, and you can turn it off anytime.
- Answer a few questions in the app’s Card recs tab. It takes about 3 minutes.
- I build your recommendation by hand and send it to you.
Recommendations are for people who plan to apply today or this week. Welcome offers and cards change within a few months, so a rec made long before you apply may not fit anymore.
Questions
Is it really free?
Yes. The recommendation, the app and everything in the community are free.
Why do I need to add my cards?
Banks approve or decline you based on your history: how many cards you’ve opened lately and which ones you already have. Your cards and their approval dates are what I build your rec around.
What can you see?
Only the cards you added and their approval dates, and only while card sharing is on. Never your card numbers, your credits or anything else. Details are in the privacy policy.
Not ready to apply yet?
Track the credits on the cards you already have with Premium Finance, read the guides, or ask questions in the Discord.