About Us

My name is Marc Davis, and I’m the creator of PIQ. I first thought of the idea for PIQ in early 2005, during a ski trip in Utah. I realized that the vast majority of people, even those who are financially savvy, have no way of knowing which credit card offers are ideal for them (ie I define an ideal credit card as one that earns its user the most in rewards, or costs them the least in interest charges and fees).

At the same time, I realized that if we knew (or had a rough approximation) of an individual’s unique spending pattern (e.g. an estimate off how much one spends per month on gas, restaurants, supermarkets, etc), and this individual provided us with an estimate of how they pay down their credit card balances (in full every month, partial payments, or just the minimum payment), you could mathematically identify the best credit cards for that individual—those cards that maximize rewards and minimize interest payments and fees.

This site is brand new, so I’m sure there will be many aspects that can be improved. Please send me any comments/thoughts/suggestions that you have—I’ll try to read and respond to every one of them.

Enjoy the site!

Marc