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.
Rewards are designed to be confusing.
Caps that reset quarterly.
Categories that rotate.
Credits issued monthly that can't be backfilled.
Nobody tracks all of it by hand — so most of it goes unclaimed.
Charges on the wrong card
Every purchase re-scored against every card you hold, respecting spend caps, rotating categories and foreign transaction fees.
+$105/yr from one habit change.
Credits you're paying for
A $10/month dining credit can't be used up in December. Each period is simulated separately, so you find out while there's still time.
Deadlines that cost money
Rotating categories need registering. Annual fees post on a date. Offers expire silently and are never retroactive.
Subscriptions, found
Recurring charges are the only spend you can re-point once and earn on forever. Price hikes and forgotten subscriptions get flagged too.
Three steps. No spreadsheets.
Bring your charges
Connect a card, or drop in a statement CSV. Chase, Amex, Citi, Capital One and Discover exports work as-is.
Your wallet builds itself
Your cards are detected automatically from Plaid or your statement. Confirm, tweak if you like — every number recalculates instantly.
Get a list, not a lecture
Ranked by dollars. What to move, what to use before it expires, which annual fee isn't earning its keep.
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.