Which card to swipe, which to keep, which points to spend — decided by deterministic math on your actual wallet. Free to start, no bank logins, no credit pull.
Tell LifeOpti what you're buying and it instantly 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 keep / upgrade / downgrade / cancel verdict for every card you hold, based on the value you actually get back versus the fee you pay.
Track balances across programs, see what your points are really worth, and get redemption guidance so you never cash out below value. A statement audit spots missed rewards, and a sign-up bonus tracker keeps deadlines in view.
Recommendations ranked by real net annual value for your spending — plus an AI analyst that answers card questions against your actual wallet and numbers.
The Travel Planner prices real award flights in the points you actually hold, tells you whether you can book, which points to move where, and which sign-up bonus closes the gap.
A companion browser extension surfaces your best card while you shop online, and the app installs to your phone and works offline.
LifeOpti is a credit card optimizer. It tells you which card in your wallet to use for every purchase, audits each card's annual fee with a keep, upgrade, downgrade, or cancel call, tracks and optimizes your points, and recommends the next card that actually fits your spending.
Yes. The core optimizer, wallet audit, and points tools are free, and you can try everything as a guest without creating an account. Premium ($8.99/month or $89.99/year) adds deeper AI analysis and the award-travel planning features.
No. LifeOpti never asks for bank logins and never pulls your credit. You add your cards manually, and if you import a statement or credit-report text, it is scrubbed of personal information on your device before anything is sent.
With deterministic math, not sponsored rankings: it computes real reward value from your cards' category multipliers, point values, and your actual spending. AI is used only where it adds insight, never to decide the math.
LifeOpti 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 LifeOpti's servers. Statement imports are scrubbed of personal information in your browser before upload, and guest sessions live only in your browser.
Yes. LifeOpti installs as an app (PWA) and its core tools keep working offline, and a companion browser extension surfaces your best card while you shop online.