You pay thousands a year in card fees and lose most of the value back to credits you forget and transfers you make too early. Crino reads every issuer's terms, tracks what you actually hold, and tells you the single next move — with the evidence behind it.
Not a feed. Not a points blog. Four numbers that change only when something has actually changed for you.
Every credit you've paid for, with the date it disappears. Mark the ones you'll never use and they stop counting — and stop nagging.
A ranked spend order built from the actual category definitions, not the marketing. It knows your Gold excludes bakeries and your 4X grocery cap has $8,400 left.
One verdict at a time: transfer, wait, book, or do nothing. Each opens into the evidence, the alternatives we rejected, and what would change our mind.
Balances age. We show you how old each one is, and we refuse to price a goal against a figure you haven't confirmed recently.
Most points advice is written from memory and repeated until it sounds true. Ours is read, dated, and filed — and when the terms don't say, we say so.
Not the landing page. The offer terms, the cardmember agreement, the programme rules. That's where the 30-day selection window lives, and the carve-out that excludes rent from a rent card's own welcome bonus.
Every rate, cap and expiry is tied to the document it was read from and the date we read it. When a rule changes we can see exactly what we believed before, and why.
If a card's terms don't state something, the field stays blank and says so. A confident guess is worse than an admitted gap, because you'd act on it.
Most programme changes don't affect you. We check each one against what you actually hold, and only surface the ones that move something. You'll hear from us about twice a month.
Every verdict opens into the evidence, the options we considered and rejected, our confidence, and the sources with dates. You can disagree with us on the merits.
All read from issuer terms. Each one changes a decision worth real money.
Chase is cutting its Hyatt transfer rate — but not on every card.
From October, Ultimate Rewards move to Hyatt at 4:3 on Sapphire Preferred and Ink Business Preferred. Both Sapphire Reserve cards keep 1:1. Which card holds your points decides what they're worth.
Chase transfer terms · read 12 Aug 2026
Delta's bonus lockouts run one way, so the order you apply in matters.
Holding a Reserve blocks the Gold and Platinum bonuses. Holding a Gold blocks neither. Take the cheaper cards first and you can collect all three; take the Reserve first and you've closed two doors.
Delta Gold, Platinum and Reserve offer terms · read 27–28 Aug 2026
A rent card's welcome bonus excludes rent.
The Bilt Palladium pays 50,000 points and elite status after $4,000 of spend — and its terms state that housing payments don't count toward it. The one thing the card exists for won't get you there.
Bilt Rewards Card Offer Terms · read 28 Aug 2026
Being told you're locked out of an Amex bonus is often wrong.
Amex decides eligibility during the application, and regularly issues offers that waive its own once-per-card rule. We'll show you the risk on your history — but we won't tell you it's settled, because it isn't.
Amex offer terms and current market research · Aug 2026
We will tell you to pay cash, hold your points, or skip the card — whenever that's the right answer.
We're not paid by issuers, so the answer is never influenced by who pays us. If a card isn't worth its fee, we'll tell you to close it.
Membership is currently by invitation while we build the catalog card by card.
Request an invitation