Free credit card tools that do the math for you.
Pick a tool below. Most take less than five minutes and need no sign up.
Get ready before you apply
Three ways to get ready before you apply for anything.
See if you’re ready to apply
Answer 20 quick questions and see exactly where your credit file stands before you apply.
Score 0 to 100. 3 minutes. No credit check.
Pick the card that pays you back
Six free tools that match cards to how you spend and travel.
The best card for every purchase
See the top card for groceries, dining, gas, and travel, ranked by rewards rate.
Find your best card combo
Match your spending to the cards that pay you the most for it.
Is your card’s fee worth it?
Enter your spending and find the exact month your annual fee pays for itself.
Know what your points are worth
Enter a flight or hotel price and see if paying with points is a good deal.
Book your next trip with points
Pick a destination and see how many points you need and which card earns them fastest.
Plan your next card move
See what to apply for next and the safe dates to downgrade or close a card.
Protect your score and fix mistakes
Three free tools to protect the score you’ve already built.
Pay down the right balance first
See exactly how much to pay on each card to boost your score.
Never miss your interest-free deadline
Track when your 0% APR window ends on every card you own.
Fix errors on your credit report
Generate a ready-to-mail dispute letter for late payments, collections, and more.
Score below 680?
Credit stacking works best with a 680+ score. If yours needs work, Dovly (free) uses AI to find and fix errors on your credit report automatically.
Sponsored: StackEasy may earn a commission when you click this link, when an application is approved, or when an account is opened. This does not affect our editorial judgment, and the partner has not reviewed this content.
Frequently asked questions
Still deciding where to start?
See your Fundability ScoreScore 0 to 100. 3 minutes. No credit check.