Understanding My Next Card Recommendations

How My Next Card Works

My Next Card provides personalized credit card recommendations based on:

• Your current card portfolio
• 5/24 status
• Bonus eligibility
• Issuer restrictions
• Overall value propositions

Why You Might See Cards You Already Have

1. No Restriction on Multiple Cards

Some issuers allow multiple of the same card:

• Capital One (in some cases)
• Some business cards
• Different versions (personal vs business)

2. Missing Information

Check that you've entered:

• Bonus earned date
• Correct card variant
• Cardholder vs AU status

3. Similar But Different Cards

Common confusions:

• Venture vs VentureOne vs Venture X
• Sapphire Preferred vs Reserve
• Different versions of same card family

How to Improve Recommendations

1. Complete Card Information

For each card, ensure:

• Open date is accurate
• Bonus received is marked
• Correct card selected from dropdown
• Status set to Cardholder (not AU)

2. Update Your Preferences

• Set annual fee comfort level
• Indicate travel vs cashback preference
• Update credit score if changed

3. Check Issuer Rules

Understand restrictions:

• Chase: 5/24 rule, 48-month bonus
• Capital One: Typically 1 card/6 months
• Amex: Once per lifetime bonus
• Citi: Various time-based rules

Understanding the Rankings

Cards are ranked by:

1. Total bonus value
2. Your eligibility
3. Ease of bonus achievement
4. Long-term value

Common Eligibility Issues

Over 5/24 But Seeing Chase Cards

• Check your 5/24 calculation
• Some Chase business cards possible
• May be close to dropping below

Recently Closed Card Reappearing

• Check bonus eligibility timeframe
• May be eligible again
• Verify closed date recorded

Using Filters Effectively

5/24 Filter

• Highlights cards that affect 5/24
• Doesn't remove cards from list
• Helps prioritize decisions

Annual Fee Filter

• Set your comfort level
• Considers first year waived
• Factors in benefits vs cost

Best Practices

• Review recommendations monthly
• Update card info regularly
• Consider overall strategy
• Don't chase every bonus
• Plan around 5/24 status