Wallet-aware · Free
CardGuru
Your next best card, chosen from what you already carry. CardGuru factors in your wallet, your spending, and issuer rules like Chase 5/24 — then ranks the card that maximizes your next welcome bonus.
Reading your wallet…
What are you optimizing for?
Annual fee comfort
How CardGuru decides
1. It reads your wallet
We skip cards you already hold, spot spending categories none of your current cards reward, and prioritize cards that fill those gaps.
2. It respects the rules
We estimate your Chase 5/24 count from your open dates and flag cards you likely can’t be approved for, plus Amex once-per-lifetime bonus rules.
3. It maximizes the bonus
The fit score weights the welcome bonus heavily, then ongoing net value on your spend — so the top pick is the biggest earning opportunity you’re eligible for.
Prefer a purely spend-based ranking with no wallet? Try the Card Finder.