The 20 most popular cards, live from our catalog
Your credit score, coached to its max.
CreditMaxer is a credit coach in your pocket: it watches your score and your cards, plans your next moves, helps you pick the right products, and lets you rehearse every decision before you make it — all on your data, never on your behalf.
- Cards catalogued
- 2,310
- Simulator engine
- FICO® 8
- Bank linking
- Read-only
Know your score — and exactly why it moves.
Your score isn’t a mystery number. CreditMaxer breaks it into the factors the bureaus actually weigh — payment history, utilization, account age, new credit — and shows how each one is helping or hurting you right now.
- Score history with the reason behind every change
- Factor-by-factor breakdown, in plain language
- Bands and bureau basics explained as you go
A to-do list that knows your statement dates.
Generic advice says “keep utilization low.” CreditMaxer says “pay this card $212 by Thursday.” Every task is dated against your real statement closes, due dates, and issuer cooldowns — laid out on a four-week calendar.
- Paydown amounts, to the dollar
- AZEO planning: every card at $0 except one
- Limit-increase windows, timed by issuer
A personal plan, not generic tips.
The advisor reads your whole profile — cards, loans, utilization, score history — and drafts an ordered plan with the projected lift for each step. You see the reasoning behind every recommendation, and you decide what to act on.
- Steps ranked by impact and effort
- Projected score change per step
- Refresh the plan as your profile changes
2,310 cards, ranked by your spending — not by ads.
Browse real fees, rewards, and benefits across every major issuer. Then tell the ROI calculator how you actually spend, and it ranks the cards that net you the most after annual fees.
The other half of your credit file, covered.
Scores aren’t just about cards. CreditMaxer tracks your auto, mortgage, and personal loans in one place, and the Lender Hub teaches you how each lender type works before you borrow.
- Balances, rates, and payments across every loan
- Lender intelligence by category, credit unions included
- Share-secured loan guide for building thin credit files
Rehearse the move before you make it.
The simulator runs FICO® 8-style scoring against your actual profile. Pay down a card, open a new one, request a limit increase — and watch the score respond before you commit to anything.
Educational estimates — not credit repair, not financial advice.Ask anything. It knows your numbers.
The assistant answers with your actual cards, balances, and dates — not boilerplate. Utilization strategy, card benefits, loan questions, AZEO timing: ask in plain English and get an answer grounded in your profile.
- Grounded in your linked accounts and score history
- Explains the “why” behind every answer
- AI features are opt-in, and off by default
Your data. Your rules. Your judgment.
Read-only by design
Bank connections run through Plaid and can only read balances. CreditMaxer can’t move money or open accounts.
Consent, gated
Score display, data aggregation, and AI features are separate opt-ins. Turn any of them off whenever you like.
Locked down
Two-factor authentication, encrypted connections, and an audit trail on every sensitive change.
Coaching, not control
Every recommendation explains itself. You make the moves — we never act on your behalf.
Start maxing your score.
Setup takes about five minutes: connect your banks, pick your goals, and get your first action plan the same day.