Find your best card, with math instead of marketing.
Estimate your annual spend by category: groceries, gas, dining, travel, the rest. The Card Hub runs it across 1,712 cards and ranks them by what they actually return after annual fees. No more guessing games. Explore the Card Hub
Credit isn’t complicated. It’s just rarely intuitive.
The credit system runs on habits most people were never taught. CreditMaxer tracks everything that touches your credit, builds the right habits, catches every deadline, and maxes out what the system gives back. See every screen →
CreditMaxer does NOT pull your score. We tell users where they can get their free FICO 8 scores for each bureau and allow them to input it manually.
Learn how credit works.
Then make it work for you.
CreditMaxer teaches you the system behind your score: how it is calculated, what a good one unlocks, and the habits that raise it. In addition, we offer lots of tips about how to boost your score and maximize your reward from the credit system.
The right lender for every loan.
Auto, mortgage, personal, or student: the Loan Hub gathers the strongest offers for each loan type, sorts them by what you’d actually pay, and explains how every loan works before you borrow — down to share-secured starter routes for thin files.
Illustrative APRs for comparison, not offers · your rate depends on credit, term, and lender
Not a member?
You can be.
Credit unions have a reputation for being members-only clubs. Some are. Plenty more are open to anyone, and because they run as non-profits, their rates are hard for private lenders to beat.
Find one you can joinThe 20 largest U.S. credit unions by assets · all in the directory
Your history, with the reason behind every move.
Rehearse a payoff or a new card before you commit.
A dated to-do list built on your statement calendar.
Ask anything. It answers with your actual numbers.
Your data. Your rules. Your judgment.
Read-only by design
Bank connections run through Plaid and can only read balances. CreditMaxer cannot 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. It never acts on your behalf.
12,000+ banks and credit unions link read-only through Plaid
Learn it. Then max it.
Setup takes about five minutes: connect your accounts, see where you stand, and get your first plan the same day.