A second opinion for the cards you already have

Backpocket is a free tool that does the math on your wallet. Add the cards you have, sketch a rough monthly spend, and see which card to use for every category, what your setup really earns after annual fees, and one clear next move: apply, wait, downgrade, or cancel. No bank login. No account required. No affiliate links.

Both sides of the ledger

Most people can name their favorite card's rewards. Almost nobody has totaled their fee line. Backpocket always shows both:

Every number comes with its receipts: the spend assumptions, the point valuations, and what would change the answer.

How it works

  1. 1. Add your cards. Current and past cards both matter, because what you opened before affects what you can open next. You pick from a card list; there are no bank credentials, card numbers, or SSN involved.
  2. 2. Sketch your spend. Rough monthly numbers are enough for real math: the best card per category, your strongest small combo, and your net after fees.
  3. 3. Get Backpocket's Call. One recommended next step, with the reasons, the runner-up, what would change the answer, and the case against it.

Common questions

Q: Is Backpocket free?

A: Yes. Adding cards and the full wallet analysis are free and work without an account. Creating an account saves your setup across devices. The wallet math will never move behind a paywall.

Q: Do I have to connect my bank?

A: No. You choose your cards from a list and enter rough spend estimates. There are no credentials to store and nothing to link, and the tool works before you sign in.

Q: How does Backpocket make money?

A: Not from card companies. There are no affiliate links and no commissions on anything you open, which is why "wait," "downgrade," and "cancel" are answers Backpocket can actually give.

Q: What is the Chase 5/24 rule?

A: Chase generally declines new credit card applications from anyone who has opened five or more personal cards across all banks in the past 24 months. Backpocket counts your 5/24 status from the cards you enter and flags any move that would spend a slot for too little in return. Read more in our 5/24 guide.

Q: Where do the offer numbers come from?

A: A maintained card catalog plus elevated signup offers captured from public sources, each stamped with the date it was last verified. The AI layer explains math computed from that data; it cannot invent an offer, a bonus, or an eligibility rule.

Q: Is this financial advice?

A: No. Backpocket is an informational tool: math and context to help you decide. Card terms change, and you should verify current offer details with the issuer before applying.