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Two different approaches to credit card optimization. We believe you should understand why a card is recommended, not just which card to use.
SaveSage and CardNitty solve similar problems but with fundamentally different philosophies.
AI-Powered App
"Trust our AI to tell you which card to use"
Transparent Ratings
"Understand why, then decide for yourself"
An honest look at what each platform offers
| Feature | SaveSage | CardNitty |
|---|---|---|
| Rating Methodology How recommendations are made | AI-driven (undisclosed) | Published formula |
| Rating Breakdown Understand why a card scores high/low | Single score | 5 components + percentiles |
| Data Privacy What access is required | Email/SMS access required | No bank data access |
| Web Access Use without downloading an app | App only | Full web experience |
| Free Tier Core features without payment | Trial only | Core features free |
| Leaderboards Ranked lists by category | Limited | 24 specialized leaderboards |
| Reward Cap Display See monthly reward limits | Not visible | Explicit in Maximizer |
| Bill Payment Pay credit card bills in-app | Built-in | Not offered |
| Automatic Statement Parsing Auto-fetch spend data from email | Automatic | Manual (privacy choice) |
| Expert Consultations 1-on-1 calls with advisors | Paid feature | Not offered |
When you see a CardNitty rating, you can click to see exactly how it was calculated. No black boxes. No "trust our AI."
Each component is scored 1-5 based on percentile rankings against 300+ cards in our database. A 4.5-star Rewards rating means the card is genuinely in the top 12.5% for rewards.
Read our full methodologyFeedback from the TechnoFino community about credit card apps
"I was not comfortable with third party having access to entire mailbox."
— TechnoFino user on SaveSage
"AU Zenith+ redemption rate shown as 0.25 instead of 1:1. IndusInd Indulge fee inaccurately listed."
— TechnoFino user reporting errors
"Users want ability to search cards by spend category (e.g., 'forex') to identify best rewards."
— Multiple TechnoFino users
24 specialized leaderboards including Best for Forex, Best for Dining, Best for Travel—each with transparent methodology and percentile rankings.
View all leaderboards →An honest assessment based on different needs
Try our Reward Maximizer and see exactly why each card is recommended—with reward rates, caps, and percentile rankings all visible.
No signup required. No email access needed. Just transparent data.