You are going to buy groceries this month either way. CardJet is the layer that turns that spending into airline and hotel points instead of nothing — then tells you, in points you actually hold, where those points can take you. Free to start, no bank logins, no credit pull.
This is not about saving a few cents at the register. A cent per dollar is the mechanism, not the point. The point is that eighteen months of ordinary spending, routed correctly and topped up by one well-timed sign-up bonus, is a flight and a hotel — and that almost nobody collects it, because keeping track of it by hand is genuinely tedious. CardJet does the keeping track.
Tell CardJet what you're buying and it names the best credit card in your wallet for that purchase — grocery runs, dining, travel, gas, streaming — computed from your cards' real category multipliers and point values, never sponsored rankings. A browser extension does it for you while you shop online.
Annual fees you no longer earn back, credits you forgot to use, a card sitting at 1x on your biggest category: each is points that never arrive. CardJet gives every card a keep, upgrade, downgrade or cancel verdict against the value you actually get from it, and keeps your perks and deadlines in view.
Organic spending gets you most of the way. One new card's welcome bonus is usually what finishes the job — and when you open it matters, because the spending requirement has a clock on it and issuer rules limit how often you can apply. CardJet tracks the bonus deadlines you're already working toward and flags when a new application would be blocked.
See what your points are genuinely worth per program, and where cashing out would quietly lose you money. The Redemption Guide and Points Optimizer work on the balances you hold today.
The points-and-miles hobby rewards people who enjoy spreadsheets. Most people don't, and so they leave the trip on the table. CardJet is built for the second group: the reward math is plain arithmetic — real category multipliers, real point valuations, your real spending — so the answer is the same every time you ask it, and you are never asked to trust a ranking somebody was paid to publish.
It is also honest about the parts that cost you. Fees you can't earn back get a cancel verdict even when keeping the card would flatter your score. A card whose data we haven't verified is labelled as unverified rather than guessed at. Points are valued at what you'd realistically get, not at the best case in a blog post.
The award Travel Planner prices a trip against published award charts in the points you hold, names which points to move where, and identifies the bonus that closes the gap. Your first full plan is in every new account’s welcome pack; annual Premium includes 2 a year, and a Trip Pack adds 3.
Add the cards in your wallet by name and CardJet will tell you, in a couple of minutes, which category you are quietly under-earning in, what your existing points are worth, and roughly how far they already go. No bank login, no credit pull, no account required to look.
CardJet turns the money you already spend into travel on points. It names which card in your wallet to use for each purchase so your spending earns the most it can, audits each card's annual fee with a keep, upgrade, downgrade or cancel call so nothing leaks away, tracks the sign-up bonus deadlines you're working toward, and shows what your points are actually worth when it's time to book.
Yes. Every ranking is computed from your cards and your own spending before anything else happens. Where a card has an application link, it is attached only after the ranking is decided, and nothing about the link can change the order. If we may earn a referral fee through a link, that is said right beside it. No issuer can pay for a better place.
Not from normal spending alone, and anyone who says otherwise is selling something. Typical household spending routed onto the right cards earns roughly one to two percent back in points — real, but slow. What makes a trip reachable in a year or two is combining that with a sign-up bonus, which is usually worth more than a year of organic earning by itself. CardJet's job is to make sure the everyday half is not wasted, and that the bonus is timed to land when it counts. How far the total goes depends on where you fly, when, and what award space exists.
Yes. The core optimizer, wallet audit, and points tools are fully free to use as a guest — no account needed. Discover, the Financial Planner and the AI Analyst show a sample as a guest and run on your own cards once you create a free account. Every new account gets a welcome pack that includes a Statement Audit and a full trip plan; Premium adds more AI every month — ten statement audits, more Discover searches and deeper Analyst answers — and two trip plans a year on the annual plan. Its price is shown in checkout, before you enter a card.
No. CardJet never asks for bank logins and never pulls your credit, and there is nowhere in the app to hand over a credit report. You add your cards manually. A statement you audit is read inside your own browser and never uploaded: account numbers, names, addresses and the people you pay are stripped there, and what leaves is your category totals plus the names of any shops your browser could not recognise.
With your own numbers, not sponsored rankings: it works out the real reward value from your cards' category multipliers, point values, and your actual spending. Ask the same question twice and you get the same answer. AI helps explain things; it never decides the math.
Those rank cards in general; CardJet ranks them against the wallet you already own and the spending you actually do, and it is willing to tell you that the best move is to cancel something or to apply for nothing at all. It also does the ongoing part an article cannot: tracking your bonus deadlines, noticing when an annual fee stopped being worth it, and keeping your point balances valued as programs change.
CardJet maintains a catalog of cards from major U.S. issuers, including Chase, American Express, Citi, Capital One, Discover, Wells Fargo, U.S. Bank, and Bank of America, refreshed automatically as fees and rewards change. You can also correct any card's details yourself.
Payments are handled by Stripe on Stripe-hosted pages, so your payment card number never touches CardJet's servers. A statement you audit is read inside your own browser and is never uploaded, credit reports are not accepted at all, and guest sessions live only in your browser — so there is no document of yours for us to hold.
CardJet installs as an app (PWA) so it opens instantly and your saved wallet stays readable offline; new recommendations need a connection. A companion browser extension surfaces your best card while you shop online.