Get Paid More for the Money You’re Already Spending
Receive a personalized credit card plan that identifies at least $500 back in year one - or it’s free!*
Four Ways To Work With Me
Start free. Go deeper when it makes sense.
The Free Consultation
A 30-minute honest look at your current cards, your spending, and what you're actually leaving on the table.
- Review your current spending habits
- See what your current setup is costing you per year
- Leave knowing which spending category to target first
- Your answers stay private: used only to prepare for your call and never sold or shared with card issuers
The Card Optimization Plan (COP)
A custom plan built around your current spending, with our top credit card picks to maximize your return.
- 3 personalized card picks built around your spending
- An application timeline that protects your score
- Target credit score and the reasoning behind every pick
- Choose from 3 tiers, from the plan alone to 6 months of support
The Big Purchase Plan (BPP)
A wedding, a home, a big move? Start with a free planning call, then get the one card I'd put that expense on.
- A free planning call built around your big expense, separate from the standard consultation
- One card pick matched to the size, timing, and payment rules of your purchase
- Application timing so the spend you're already planning can earn a welcome bonus
- Partners and co-buyers can submit their details together
The Method Session
Stuck, overwhelmed, or just want someone to guide you through your credit card journey? Book a 30-minute one-on-one session and get clear, plain-English help with your credit cards and credit habits.
- A live 30-minute one-on-one call. No plan required
- We walk through your score, utilization, and payment habits in plain English
- You leave with clear next steps you can act on yourself
- Need more help later? Upgrade to 3 sessions at checkout
Start Earning More Before We Ever Talk
Missed Cash Back Calculator
Find out roughly how much cash back you’re missing in 2 minutes.
Check My Cash BackCredit Card Starter Guide
A no nonsense guide to credit cards. Learn about credit score fundamentals, spending best practices, and the lasting impact these tools can have on your future.
Taking Out The Guesswork
AI chatbots historically push $400+ annual fee cards which are linked to sites that make money off affiliate links.
I don’t take a dime from card issuers. My only job is to put the maximum amount of cash back into your bank account at the lowest possible cost.
Still curious? Ask your AI of choice, then email what it says to info@thecardoptimizationmethod.com.
Source: a July 2026 study by 5W found that AI chatbots mention premium cards with $400+ annual fees 5.7x more often than low- or no-fee options, and that most of their answers came from a handful of sites.
Yes. You'll never be asked for a credit card, whether you're booking or on the call. We'll review your spending habits and what your current setup is costing you. At the end, you can choose to buy a Card Optimization Plan, or not. No pressure either way.
If your Card Optimization Plan doesn't project at least $500 in year-one value, you get a 100% refund. Just ask within 7 days of delivery. The guarantee applies to all three options: COP, COP Support, and COP Support+.
See the Terms of Service for full guarantee details.
All three include the same Card Optimization Plan: three personalized card picks, an application timeline that protects your score, and a target credit score with the reasoning behind every pick. COP ($99) is the plan on its own.
COP Support ($197) adds 3 months of on-demand follow-up access and one plan update in your first year if a life event warrants it. COP Support+ ($397) adds 6 months of follow-up access and unlimited plan updates in your first year. The $500+ guarantee applies to all three.
No. TCOM provides credit card advisory services. That is the extent of our financial education offering.
A financial advisor provides holistic, long-term wealth management and strategic financial planning services such as investment management, retirement planning, and tax strategy.
No. TCOM does not offer credit repair, and we don't claim to improve credit scores. We help you choose and use credit cards to earn more rewards from the spending you already do.
For credit building or repair, a nonprofit credit counselor is a good place to start.
Turning My Passion Into Your Solution
The night I turned 18, I stayed up past midnight just so I could apply for my first credit card. Ever since, I've played the credit card game and mastered the strategies behind it. Now, I want to bring those lessons to you and maximize your return on everyday spend.
Ready to begin your journey? Book your free consultation call below.
