Dashboard
Analyzing your spend against every card in your wallet.
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You're looking at sample data. Make every screen yours — no account needed to start:
Statements are parsed in your browser and never uploaded. Bank linking is read-only via Plaid, needs a free account, and covers US institutions only for now — Canadian and Mexican cards work through a statement upload.
Which card right now?
Pick what you're about to pay for — this is the best card in your own wallet for it
Your points
What each currency in your wallet is worth, and where it can go
Where your money goes
Spend by category, with the rate you actually earned
Biggest upside
Top switches by annualized value
Card performance
Effective return rate on what you put on each card
Leaks
Money left on the table this period
This month
Where the month is heading, from your recurring charges and daily run-rate
Credit Health
Score, utilization, and what a new application would cost you.
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Placeholder: score + balances are stubbed. Wire
CreditData.pull() in index.html to your bureau/aggregator feed — it just needs to return {score, bureau, pulledAt, accounts:[{cardId, balance, limit, openedYear}]}.FICO Score 8
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13-month history
Utilization by card
Under 30% per card, under 10% overall is the target
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Paydown simulator
Utilization is ~30% of a FICO score and it re-scores every statement — this is the fastest lever you have
Pay down
$0
Interest & statement detail
From your linked accounts
| Card | Purchase APR | Statement bal. | Min. payment | Due | Carrying cost /mo |
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Debt payoff plan
Each cleared card's payment rolls into the next — the fastest route out of interest
Extra per month
$200
Score-aware actions
Ordered by impact per dollar
Switch Charges
Every charge re-scored against every card you already hold.
Unused Perks & Credits
Statement credits you're paying for. Usage is inferred from your charges — override anything that's wrong.
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| Credit | Card | Value | Used | Progress | At risk |
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Gated credits — advertised but conditional
These require qualifying spend or status, so they're excluded from every total on this site
Perk receipts — what to actually do
Insurance and protections only pay out if the purchase went on the right card. One-time setup, then tick it off.
Non-cash perks you hold
No dollar figure, but stop paying twice for these
Annual Fee Break-Even
Rewards earned plus credits actually used, against what each card costs you.
Fee anniversaries
Tell us the month each fee posts — it lands on the Action Calendar and in your monthly email a month ahead, with the keep-or-downgrade math already done.
Keep or cancel
Each fee against the rewards and credits you're actually on track to use — and what to do about it
| Card | Annual fee | Rewards (ann.) | Credits used | Net | Break-even | Verdict |
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Rewards are annualized from the selected window. A card can still be worth keeping below break-even for lounge access, status, or protections — those aren't priced here.
Next Card
Simulated against your real spend: uplift over your current best card, plus the signup bonus, minus the fee.
Ranked by value to you — earn-rate uplift, credits you'd actually use, and a signup bonus only if your spend clears it, minus the fee.
Some cards may pay us a commission; the ranking code has no access to which ones.
How that's enforced.
Eligibility notes are advisory — they never change this ranking.
Each card below carries a note about the application rules its issuer is reported to use: Chase's 5/24, American Express's
once-per-lifetime welcome bonus and pop-up, Citi's 8-day / 65-day spacing and 48-month family rule, Bank of America's 2/3/4 and 7/12,
and Capital One's three-bureau pull. These are patterns cardholders publish, not issuer policy and not a guarantee — issuers
don't publish their underwriting, they change it without notice, and every application turns on your full profile. Nothing here is
hidden or down-ranked because of a rule; a flag is a prompt to check, not a verdict.
When did you open these?
Application rules count how recently you opened cards. Tell us the month and the notes below get real — we never guess a date, and a card you leave blank is simply left out of the count.
Best card combination for your spend
Every card ranked below is a single addition. This is the whole wallet — what two, three or four cards would cover together, what each one is still worth once the ones before it have taken their categories, and where adding another stops paying for itself.
Action Calendar
Everything with a deadline attached, in the order it will cost you money.
Upcoming
Sorted by date. Dollar figures are what you lose by missing it.
Recurring obligations
Statement due dates from your linked accounts
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Due dates and APRs come from Plaid
/liabilities/get. Connect a card to populate this.Recurring Charges
Detected from cadence and amount stability. Move one of these once and it earns for you forever.
Card-Linked Offers
Amex, Chase and Citi offers you must activate before you spend. Ranked by what you'll actually claim.
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Placeholder feed. No issuer publishes an offers API — see
offers.master.json for the four realistic ways to source this. Activation state is stored locally.My Wallet
Toggle the cards you hold. Everything downstream re-runs instantly.
Transactions
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Drop a statement CSV or PDF here
Columns are auto-detected — date, description, amount, and card if present. Chase, Amex, Citi, Capital One and Discover exports all work as-is, and Monarch and QuickBooks transaction exports are recognized automatically.
| Date | Merchant | Category | Charged to | Amount | Earned | Best card | Upside |
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Settings
Point valuations drive every dollar figure on this site.
Master benefit file
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Placeholder loaded. Drop in
card-benefits.master.json with the full pulled dataset — the app reads it live, no code change. Schema notes are in the file's _README.Load master benefit file
JSON · replaces the card database in place
Point valuations
Cents per point — maintained by Credit Upside (mid-range, not best-case) and updated as programs change. Edit any value to use your own instead; it's marked custom and stops tracking our updates until you reset it (↺).
Category rules
Fix a category once and it sticks — every charge from that merchant, past and future, uses your category. Rules sync to your account.
Your account
Not signed in
Sign in to save your wallet and settings across devices, and to link bank accounts.
Stuck, or spotted a wrong number? Email admin@creditupside.com — it reaches the founder directly.
Linked institutions
Not connected
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Connections are read-only and powered by Plaid — your bank credentials never touch us, and you can disconnect (and erase everything) any time. Linking covers US institutions only today; Canadian and Mexican cards work through a CSV or PDF statement upload. How Plaid handles your data
Merchant categorization rules
Keyword → category. First match wins; unmatched charges fall to
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Placeholder: keyword matcher stands in for a real MCC feed. Swap
Categorizer.rules for MCC codes off the transaction feed when that's wired up.