Three steps to debt freedom
No bank connection. No subscriptions. Just enter your cards and watch CCAI build your plan.
Built for people serious
about getting out of debt
Our AI is trained on every major credit card's rates, fees, rewards, and terms. Ask anything and get answers backed by real data.
The mathematically optimal debt payoff strategy applied to your exact cards. See exactly which card to pay first.
See exactly how much you save versus paying only minimums. Most users discover they'll save thousands.
Unlike other apps, CCAI never asks for your banking login. Enter your numbers manually, keep your data private.
Credit card guides
How to Negotiate a Lower APR With Your Credit Card Company
Most people don't know you can simply call and ask for a lower interest rate — and it works more often than you'd think. Here's exactly what to say.
The 5 Best Balance Transfer Credit Cards of 2025
A 0% intro APR balance transfer can save you hundreds in interest. Here are the best cards available right now — and how to pick the right one.
Avalanche vs Snowball: Which Debt Payoff Method Saves You More Money?
Two proven strategies for paying off credit card debt — but one saves you significantly more money. Here's the math behind both.