Answer five questions. Fynn scores 82 cards against your spending profile in milliseconds, then shows expected usable value with every assumption visible.
Every card is scored across four factors and ranked on expected usable value — rewards from category spend, minus fees, plus credits you can realistically use.
Example: frequent diner, occasional traveler, good credit. Values are estimates, not guarantees; issuer terms and approval outcomes can change.
Three deterministic stages. From profile capture to a ranked recommendation set in under a second.
Five structured questions: credit range, income, category spend, goals, preferences. ~2 minutes.
Engine computes fit across 4 weighted factors and estimates usable first-year and ongoing value.
You get 3–5 cards with full reasoning, pros/cons, projected rewards, and direct application links.
Not another comparison site stuffed with top-affiliate-payout cards. A real engine built for people who optimize.
A transparent 4-factor match algorithm (spend, goals, fees, eligibility) — no black box, no affiliate bias.
We estimate usable rewards from category spend, likely credits, fees, and conservative redemption assumptions.
Personalized credit improvement steps ranked by lift potential — utilization, age, inquiries, mix.
Optional read-only bank connection auto-computes 90-day spend. AES-256 encryption, never stored plaintext.