A clearer credit card strategy

Find the best strategy for your cards.

Carte IQ analyzes your spending, goals, and current cards to recommend what to keep, what to add, and when waiting is the better choice.

Transparent calculations · Explained recommendations · Context-aware assistant

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Free · Data handled with care · No bank connection · Independent recommendations

Choose where to start

Find my strategy

Get a strategy tailored to your spending, goals, and the cards you already hold.

Enter your spending or import statements in the questionnaire.Start my analysis

Explore strategies by profile

Discover reference portfolios designed for different ways of using credit cards.

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Compare cards by use

Find the best cards for groceries, hotels, foreign spending, and more.

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Carte IQ Assistant

Always available

Ask your question. Carte IQ already knows the context.

The Assistant can use the page you are viewing along with your available profile, spending, and results to explain a recommendation or explore another option.

For example “I already have Cobalt. Which card should I add for travel?”

How Carte IQ recommends a strategy

See our methodology

  1. We structure your spending, goals, and the cards you already hold.

  2. We calculate net value, including fees and welcome offers.

  3. We assign a role to each card and explain the trade-offs.

Independent rankingsAffiliate relationships never influence recommendationsNo bank connection requiredFees taken into accountAccessible methodology