Choose your companion
Useful for free. More personal when you upgrade.
Public research stays open. Paid plans add deeper planning and AI capacity without connecting a bank account or storing card numbers.
Free Companion
Free forever
- Public card catalog with review status
- Merchant offers and public directories
- Basic calculators and browser-local wallet
- Up to 5 AI requests daily when signed in
Companion Plus
$49/year
$5.99/month Save with annual
- Everything in Free
- Advanced planning calculators
- 20 AI requests daily
- Browser-local planning scenarios
Companion Pro
$79/year
$9.99/month Save with annual
- Everything in Plus
- AI wallet optimization and AI card comparison
- 60 AI requests daily
- AI explanations of your selected cards
| Feature | Free | Plus | Pro |
|---|---|---|---|
| Public card catalog | Included | Included | Included |
| Core calculators | Included | Included | Included |
| Daily AI allowance | 5 signed-in | 20 | 60 |
| Advanced planning tools | Free Beta | Included | Included |
| Portfolio AI | Free during beta | Free during beta; Pro after launch | Included |
| Bank login required | Never | Never | Never |
Checkout remains unavailable until payments, cancellation, receipts, terms, and test purchases pass review. Read the subscription terms.