Meet Earny
Your personal credit card AI.
What Earny does for your credit cards
Ask in plain English. Earny does the comparing, the math and the fine print.
Sign-up bonuses
Live welcome offers ranked by real value, with the exact spend you need to hit.
0% APR & balance transfers
Intro periods, transfer fees and the true cost of moving a balance, in plain English.
Cashback vs points
Earny matches rewards to how you actually spend — groceries, gas, travel or online.
Approval odds
Tell Earny your rough credit score and it filters to cards that fit your profile.
Credit card questions, answered
How does Earny pick credit cards for me?
Earny asks about your goal (bonus, 0% APR, cashback, travel or credit building), your rough credit score and how you spend, then filters live card offers to the ones that actually fit. 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, no application and no hard inquiry until you choose to apply directly with a card issuer.
Is Earny free to use for credit cards?
Yes, completely free. PickYourBank may earn a referral fee if you open a card through our links, but Earny's recommendations are based on fit, not on who pays most.
Can Earny help if I have bad or limited credit?
Yes. Earny knows secured cards, credit-builder products and starter cards, and can walk you through the steps that raise your score fastest.
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.