The development of sustainable concrete capable of trading off the mechanical performance and cost remains a persistent scientific and engineering challenge. Although previous research has employed multi-objective optimization for binary and ternary cement blends, the simultaneous optimization of quaternary-blended systems, incorporating multiple supplementary cementitious materials, has received little systematic attention. This study addresses this gap by introducing an interpretable artificial intelligence (AI)-driven approach that integrates the Category Boosting (CatBoost) algorithm with the Non-Dominated Sorting Genetic Algorithm II (NSGA-II) to model and optimize the compressive strength (CS) and total cost of quaternary-blended concretes. A curated database of 810 experimentally documented mixtures was used to train and validate the model. CatBoost achieved superior predictive performance (R² = 0.987, MAE = 1.574 MPa), while Shapley additive explanations identified curing age, water-to-binder ratio, and Portland cement content as the dominant parameters governing CS. Multi-objective optimization produced Pareto-optimal elite mixtures achieving CS of 51–80 MPa, with a representative 60 MPa mix requiring approximately 62% less cement than conventional designs. The findings establish a scientifically grounded, interpretable methodology for data-driven design of low-carbon, high-performance concretes and demonstrate, for the first time, the viability of AI-assisted multi-criteria optimization for complex quaternary-blended systems. This framework offers both methodological innovation and practical guidance for implementing sustainable construction materials.