In partnership with
Hey - it’s Jeffrey, back again!
Choosing your next credit card sounds easy until you’re drowning in “best of” lists that all recommend something different.
And let’s be honest, most credit card sites are heavily biased toward the cards they get paid to promote.
This week, I took a smarter route:
I gave ChatGPT a few quick prompts and asked it to match cards based on how I actually spend money and what my rewards goals are.
No more opening 10 tabs. No more guessing.
Here’s how you can do the same in under 10 minutes.
📬 Table of Contents:
In today’s Money Meets AI edition, we look at:
🤖 ChatGPT Prompt 1: Find a card based on your spending
🔍 Prompt 2: Find a card based on your rewards goals (using Doctor of Credit)
🔁 What to do next
🛠️ Other tools to check out
SPONSORED BY:
Learn AI in 5 minutes a day
This is the easiest way for a busy person wanting to learn AI in as little time as possible:
Sign up for The Rundown AI newsletter
They send you 5-minute email updates on the latest AI news and how to use it
You learn how to become 2x more productive by leveraging AI
THIS WEEK’S TESTED TOOLS
🔧 Option 1: ChatGPT + “What’s the Best Card for Me?”
Best for: A custom recommendation based on real expenses
Here’s what I did:
I made up some average monthly spending for this test case, which was $800 for groceries, $400 for dining, $300 for travel, $100 for gas, and $300 for entertainment.
I asked ChatGPT 4o (with web search turned on):
“Based on this spending, what credit card would earn me the most rewards while minimizing fees?”
ChatGPT replied with a shortlist of cards based on category bonuses and point value. It included cards with no annual fee, too.
I especially liked this custom table it created for me:
I followed up by asking:
“Based on my spending provided, can you estimate the amount of rewards I'd earn with each card?”
It broke it down by each card and provided me with this summary table, which provided a net value based on the annual fee:
Overall, this was a super helpful breakdown that I found easier than any other tool out there.
💡 Bonus tip: Ask follow-up questions like:
“Which of these offers the best welcome bonus right now?”
or
“Which one has trip delay insurance or cellphone protection?”
🧠 Option 2: ChatGPT + “Let’s Find a Card That Gets Me to Thailand”
Best for: Accomplishing a rewards goal with points
I’m a big fan of Doctor of Credit because, unlike most credit card deal sites, they don’t run ads or use affiliate links. That means they’re not getting paid to push certain cards, which makes them a trusted research source for me.
The only problem? There’s a lot of info on the site, and it can be overwhelming fast.
So I asked ChatGPT to help me cut through the noise.
Using ChatGPT-4o with browsing enabled, I gave it this prompt:
Can you help me find the best credit card for me from DoctorofCredit.com? I like the offers here but I find it overwhelming: https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/
ChatGPT searched the DoC site and told me how to follow up:
I replied that my goal is I want to fly round-trip to Thailand with my points, and here’s what it recommended:
Based on my experience earning 3+ million points, Chase Sapphire Preferred would be an excellent choice here, especially with the 100,000-point bonus available right now.
To test something else out, I then changed my goal to cash back on gas and groceries, and here’s what I got:
Overall, very solid advice here. You could certainly go even further with your conversation with ChatGPT a prompt like:
If I want to fly to Thailand with Chase Sapphire points, which airlines could I use, and how many points would it cost?
What Didn’t Work So Well
I haven't discussed this much in the newsletter yet, but each week, I try things that don't work out so well. I mostly want to focus on things that do work because that's probably most helpful for you.
Other things I tried but didn’t find as useful:
Website credit card selection tools - most were pretty much just decision-tree type quizzes that didn’t offer very tailored advice. They’re fine for basic searches, but ChatGPT was much more helpful.
Perplexity AI (with methods above) - for me, it just wasn’t as smooth as using ChatGPT, and it didn’t arrive at the answers as easily.
🛠️ Other Tools to Check Out
Other tools I came across but didn’t do a deep dive into for this newsletter:
MaxRewards - Awesome for tracking and maximizing credit card perks and cashback
AwardWallet - another solid option for credit card rewards tracking
NerdWallet’s Credit Card Finder - This was the better of the tools I tested above, though the advice offered feels more basic than my ChatGPT conversation.
What to Do Now
🔍 Try Prompt #1 with your actual monthly spending — copy/paste your own numbers into ChatGPT
🧠 Visit Doctor of Credit and use Prompt #2 to explore top sign-up bonuses or travel deals
💳 Ask ChatGPT to estimate your rewards value across 2–3 top cards
❓ Still can’t decide? Hit reply and tell me your spending — I’ll help you workshop it with AI
PS—I’d love to hear your other feedback or suggestions. Just hit reply — I read every email!
How did you like today's newsletter?
One quick note: This newsletter is for educational purposes only and does not constitute financial advice. I’m not a financial advisor — just someone sharing ideas and tools I’ve found useful. Use what works for you, skip what doesn’t, and always do your own research before making financial decisions and using the tools shared in this newsletter.