Get more from the money you're already spending.
Opti analyzes how you use your credit cards to uncover missed rewards, recommend which card to use, and help you get more from every purchase.
Get more rewards without becoming a rewards expert. Opti makes smarter credit card use simple.
Same spending, more rewards!
Catch what you’re missing
See where a different card could have earned you more, so you know what to do next time.
You choose reward cards to get more from the money you already spend. But between rotating categories, points multipliers, statement credits, perks and multiple cards in your wallet, getting the most from them can feel like a full time job.
Credit card rewards
shouldn't require homework.
Use the right card
Know which card in your wallet earns the most for each purchase.
Use what you paid for
Keep track of your card credits and benefits, with reminders to use them before they expire.
Meet your Opti Tools
Smarter spending, brighter days ahead.
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WHO IS OPTI FOR?
Already have a wallet full of rewards cards? The Opti Report Card and Opti Credit Keeper help you get more value from the cards you already have, without changing how much you spend.
The Opti Report Card shows you which card to use where and where you missed out on points last month, so you can make smarter choices with every purchase.
The Opti Credit Keeper keeps track of your available credits, rewards, and card benefits, reminding you what you have, which card offers it, and when to use it before it goes unused.
You’ve started earning rewards but what comes next?
The Opti Next Card tool helps you understand your spending habits and identify which type of card could complement the one you already have based on where you spend and what rewards are important to you.
As your wallet grows, the Opti Report Card and Credit Tracking tools help you get more by spending on the right cards and reminding you of unused credits.
New to credit cards? Start by learning how credit cards work, how to use them responsibly, and how rewards fit into the bigger picture before deciding whether a credit card is right for you.
Opti's educational content, including articles and videos, helps you build your knowledge and confidence so you can make an informed decision.
Click here to learn more:
If you decide a credit card is the right next step, Opti Next Card can help you choose one. Using your past 12 months of debit card spending, Opti analyzes your actual spending habits to identify a card that could help you maximize the rewards on the purchases you already make.
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Anyone who wants to get more from their everyday spending.
3 easy steps to uncover ways to earn more from your credit cards—so you can do more of what you love.
1 — Connect
Bring your cards together.
Connect your credit cards to Opti so Opti can understand your cards and everyday spending.
3 Easy Steps
2 — Optimize
We do the homework.
Opti analyzes your purchases, reward categories, card benefits, and opportunities.
3 —
Get more
See exactly where you can improve.
Get personalized insights that help you make smarter card choices and capture more value.
Safe and Secure
Your financial data deserves serious protection.
Your data is encrypted.
Opti never needs your bank login credentials.
We don't sell your personal financial data.
You're always in control.
Choose your pricing plan
Find one that works for you
Opti Monthly
5$Every monthOpti Monthly lets you optimize spending with flexible, full-featured access to savings tools designed to maximize your life every month.Opti Annual
40$Every yearOpti Annual lets you optimize your spend with full access to all features, unlocking smarter budgets and maximizing your financial wellness year-round.