You're earning less than you think.
Yes, it's only a few percent per charge — which is exactly why nobody catches it. A year of not catching it is a few hundred dollars you had already qualified for. Credit Upside re-scores every purchase against every card you actually hold and shows the gap in dollars.
Free, no account, nothing uploaded — your statement is parsed inside this browser. Built for people who already carry two or three decent cards and have no intention of maintaining a spreadsheet.
Free. No account. Drop in a statement CSV or PDF and it's parsed in this browser — the file never leaves your device. Or look at a sample first.
The number above is the gap between your wallet and one flat 1.5% card, minus the annual fees of the cards you tapped. The rewards calculator answers a different question: what every card in the database would earn on this spend, net of its own fee.
What is counted, and what isn't
What is counted: each card's printed general earn rate on each category — what you get paying the merchant directly. Rates that only apply inside the issuer's travel portal are left out, same as everywhere else on this site. Points are valued at our published mid-range numbers (Amex 1.1¢, Chase 1.25¢, Capital One 1.3¢, cash 1¢), published category caps are applied, the annual fee of every fee card you tap is subtracted, and the result is compared with putting every dollar on a flat 1.5% card. What is not counted: welcome offers, statement credits, rotating or pick-your-own categories, foreign transaction fees, and merchant-specific rates — except the Prime Visa's 5%, which is Amazon and Whole Foods only and is applied to the whole online-shopping slider. Twelve common cards, not the full database; the rewards calculator runs the same math on all of them.
Card terms move every week. So does this site.
Welcome offers that moved this week
- Citi® / AAdvantage Business™ World Elite Mastercard®
65,00075,000 - Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
80,00050,000
Read on each bank's own page, Oct 28 · 2 changes since Oct 21
Transfer bonuses live now
- Amex MR → Aeromexico Rewards+20% to Oct 30
- Amex MR → Air France-KLM Flying Blue+25% to Oct 31
- Capital One → British Airways Avios+20% to Oct 31
- Citi ThankYou → Cathay Pacific Asia Miles+10% to Nov 14
A bonus only helps if the partner's points are worth it. What each is worth →
Resetting December 31
of calendar-year statement credits, across 75 cards, reset on Dec 31. Whatever is unused by then is gone.
Which ones reset →Offers ending soon: Delta SkyMiles® Reserve Business American Express Card 200,000 Delta SkyMiles, ends Nov 4 · Delta SkyMiles® Platinum Business American Express Card 100,000 Delta SkyMiles, ends Nov 4 · Delta SkyMiles® Gold Business American Express Card 90,000 Delta SkyMiles, ends Nov 4 · Delta SkyMiles® Reserve American Express Card 50,000 Delta SkyMiles, ends Nov 4 · All dated offers →
Three things it finds that a spreadsheet won't.
Charges on the wrong card
Every charge is scored against every card you hold, with caps, rotating categories and foreign-transaction fees applied in date order. You see which to move, and what it is worth a year.
Credits you're paying for and not using
Monthly, quarterly and yearly statement credits are tracked from your own charges, period by period, so a December splurge never pretends to cover March.
Deadlines, before they cost you
Annual fees, credit resets and welcome-bonus windows in one list, in the order they'll cost you money. Add them to your calendar in one click.
Also flagged: recurring charges worth moving to a better card once, price hikes, and fees paid to fund Venmo and PayPal with a card. How it works, step by step →
Your statement never leaves this browser.
Open your browser's network tab and drop a file in. There is no request to see.
Uploads stay on your device
CSV, PDF, OFX and budgeting-app exports are parsed by the page itself.
Bank linking is optional and read-only
You sign in with Plaid, never with us. Access tokens are encrypted, and disconnecting erases them in one click.
No ads, no trackers, no data sales
Visits are counted in aggregate, never followed.
How we make money: today, we don't. No link on this site pays us, and if one ever does, the ranking code still can't see which. Read how that's enforced.
We'd rather understate it.
Rewards sites have a habit of quoting best-case numbers. This one is built to do the opposite.
- Conservative where the data is thin. When a card publishes two rates for the same category, we use the lower one. When a rotating category hasn't been announced, we score it at the base rate rather than assume a bonus.
- Spend-gated perks don't count. A "$4,750 in credits" headline that needs $250,000 of prior-year spend is shown separately and excluded from every total.
- Point valuations are set conservatively, and published. Every dollar figure uses our mid-range values — never an issuer's best-case redemption — so the totals stay defensible. The method is written down, and every currency we value is listed, so you can disagree with a specific number rather than with a black box.
- If you carry a balance, fix that first. At 25% APR, interest costs more per month than any card earns. The app says so instead of selling you optimization you can't use yet.
- Rankings aren't for sale. We may in future earn a commission on some cards; none pays us today. Either way the ranking code can't see which ones. Here's how that's enforced.
Then start with the question you actually have.
All of it is free to read, none of it asks for an email, and every dollar figure uses the same conservative valuations the app does.
Also here: 70 best-card guides · three cards side by side · what to downgrade a card to · Canada · Mexico
Start with a card: Sapphire Preferred · Sapphire Reserve · Amex Gold · Amex Platinum · Venture X · Double Cash · Freedom Unlimited · Blue Cash Preferred · Custom Cash · Active Cash
Quick answers before you start
Is it free?
Yes — free to use. We may earn a commission if you later open a card through a link, but that never affects the rankings (the ranking code can't see which cards pay us). No link on the site pays us anything today.
Do I have to connect a bank?
No. Upload a statement (CSV or PDF) and it's parsed entirely in your browser — nothing is uploaded. Connecting a bank via Plaid is optional and just keeps things live and automatic.
Is my data safe?
Bank connections are read-only through Plaid — we never see your password and nothing can move money. Access tokens are encrypted at rest, sign-in is two-factor, and you can disconnect and erase everything in one click. Full security details →
Do you sell my data?
Never. No advertising network, no third-party trackers, no data sales. Our analytics are anonymous: aggregate page counters, plus Cloudflare's cookie-free measurement of page loads. Privacy policy →
The estimate was the appetiser.
A slider guesses. Your statement doesn't. Export the last few months from any card, drop the file in, and every charge gets scored against every card you hold — with the arithmetic shown for each one, so you can check it.
Takes about a minute. No account, no card number, no bank connection. The sample runs on a realistic year — 602 charges, $55,958 — so nothing on screen is an empty state.
Two ways to do this. Both free, and one needs no account at all.
Start with a file: Chase, Amex, Citi, Capital One and Discover CSV exports work as-is, and PDF statements are read too. The parsing happens in JavaScript in this browser tab — the file never leaves your device, so there is nothing for us to lose.
Or keep it live: create a free account and link your cards through Plaid — read-only, and we never see your bank password — so the numbers update themselves each month instead of going stale.
Two-factor sign-in, tokens encrypted at rest, disconnect and erase in one click — how we protect your data. Bank linking is live for Chase, Amex, Bank of America, Capital One, Citi and thousands more.