Top credit cards right now
Card picks are coming soon
We're lining up our credit card partners. In the meantime, Earny can already explain bonuses, rewards and 0% APR offers and help you work out which type of card fits you best.
How Earny helps you find the best credit card
Ask in plain English. Earny does the rewards math, the bonus comparing and the fine print.
Sign-up bonuses
Earny explains which welcome offers are worth it and what you need to spend to earn them.
0% APR & transfers
Compare intro periods and transfer fees, and see what moving a balance would actually save.
Rewards math
Tell Earny how you spend and it works out the real yearly value of each card after fees.
Approval odds
Share your rough credit score and Earny focuses on cards that fit your profile.
Credit card questions, answered
How does Earny pick credit cards for me?
Earny asks how you spend, your rough credit score and what you want most — cashback, travel, a 0% period or building credit — then compares bonuses, rewards rates, APRs and annual fees. No long forms — just a chat.
Does chatting with Earny affect my credit score?
No. Earny only has a conversation with you. There is no credit pull until you choose to apply with a card issuer. Some issuers also let you check pre-approval with a soft check.
Is Earny free to use for credit cards?
Yes, completely free. PickYourBank may earn a referral fee if you apply through our links, but Earny's recommendations are based on fit and value, not on who pays most.
Can Earny help if I have bad or limited credit?
Yes. Earny can explain secured cards and other credit-building options, what a realistic path looks like, and habits that raise your score over time.
Is a balance transfer card better than a personal loan?
It depends on how fast you can repay. Earny runs both numbers for you — the 0% intro period and transfer fee versus a loan's fixed APR and term — and shows which costs less overall.
Where can I talk to Earny about credit cards?
Right here in the chat window on this page, or on WhatsApp and Telegram if you prefer messaging. Same AI, same answers.