Is every card still worth its fee?

Your cards are worth more
than you’re using.

A top premium card carries $2,500 to $3,800 of credits a year, and they go unused when nobody is watching. Crino watches, and tells you what to use, what to keep and what to book, and when.

See what your cards carry

About 90 seconds. No sign-up. No account linking. And no card company, airline or hotel pays us, so we can tell you when to do nothing.

Why Crino

A tracker shows you what you have. Crino tells you what to do about it.

A verdict

An answer, not a list

Keep the card or not. Points or cash. Use this credit by this date.

Yours

Built for you alone

Your cards, your airports, your trips. Every figure is computed for you.

Verified

Checked by a person

Every credit, rate and rule is verified against the issuer’s own terms and dated. Nothing unverified reaches a member.

How it works

The answer comes before the ask.

01

Pick your cards

Tap the premium cards you hold. Nothing to link, nothing to log in to.

About 60 seconds
02

See what your cards carry

Every credit you’ve paid for, set against the fee, for the current period only. Mark any you won’t use and they stop counting.

Free · before you pay anything
03

Get one verdict at a time

As a member: use this credit before it resets, spend these points first, check before you transfer, or leave it alone.

Most weeks: no new decisions

The answer nobody else is paid to give: wait.

Others get paid when you apply or book. We’re paid by you, never by them. If the best call is cash or doing nothing at all, that’s what Crino tells you.

Who it’s for

Built for wallets with moving parts.

A good fit

Three or more premium cards, points in two or more currencies, and $1,000 or more a year in fees. That’s where credits slip through and the order you spend points in matters.

Not yet

One travel card, or a single points currency. Your card’s own app is enough for now. The 90-second check will tell you which side you’re on.

Check us first

Advice you can check.

Every rate, cap and deadline links to its source and the date a person checked it. If the terms don’t answer a question, we say so.

The five answers on your dashboard
  1. What your fee buys. Every credit and when it resets.
  2. Which card to use. A spend order built from the full category rules, exclusions and caps included.
  3. What to do next. One verdict, whether transfer, wait, book or do nothing, with the evidence behind it.
  4. Whether your numbers are current. We won’t price a goal against a balance you haven’t confirmed.
  5. Which points to use for travel. Name a trip; we rank the redemptions your points can reach and show where to search.
What we won’t do
Get paid for what you do. No commissions, affiliate links or referral fees, from anyone. Nothing we earn depends on whether you apply, book or transfer.

Ask for your logins. No account or credential linking, ever.

Recommend moving hotel points to an airline, except as a last resort. The exchange rates give away most of the value.

Value your trip by a generic number. We value a redemption against your own cash price. The points you’d give up are valued at the Crino Target, our own cents-per-point figure, reviewed against published valuations and our own research.

Show you anything unchecked. No term, rate or change reaches you until a person has checked it against the source.

Guess at a redemption price. If a program only shows live pricing, we send you to the live search.

Count value you won’t use. A credit only offsets your fee if it’s useful to you. Read our recommendation policy
When we get something wrong
We correct the recommendation, tell the members it affected, and say why. Every policy change is dated and kept. See previous versions
Membership

One fee. No commissions.
No conflicts.

$99

a year for founding members, then $179 a year or $19 a month.

30-day money-back guarantee.

Crino

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