Abstract: Systems and methods for predicting consumer spending and the financial outcomes of using specific credit cards and other financial products are disclosed. Systems and methods for recommending credit cards to consumers and for backtesting consumer behavior data are further disclosed. The system and methods may be used to help consumers find and chose credit cards, debit cards, and other financial products which are suitable to their financial circumstances. A financial outcome prediction system configured to determine financial outcome parameters of a user using a credit card during a future time period is disclosed. The financial outcome parameters may include an overall card value obtained by adding and subtracting the monetary values of reward parameters, fee parameters and other benefits associated with the credit-card.