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
Leaks
Money left on the table this period
Biggest upside
Top switches by annualized value
Card performance
Effective return rate on what you put on each card
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.
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
Balance transfer planner
Would moving a balance to a 0% offer save money, after the transfer fee?
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.
Free night certificates and companion passes
Add the ones you have and the date each expires. We'll remind you before they do.
Paste your card offers
Copy the offers list from your Amex, Chase or Citi account and paste it here. It's read in your browser and kept on this device.
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
What if I cancelled a card?
The fee you'd save against the rewards and credits you'd lose, on your own charges
| 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.
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.
They are patterns cardholders publish, not issuer policy and not a guarantee: a prompt to check, not a verdict.
When did you open these?
We never guess a date. A card you leave blank is left out of the count.
What if I added a card?
Any card in our database, tested on your own charges.
Best card combination for your spend
Whole wallets, not single additions — 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.
Total by category
What your recurring charges commit, by category
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 one or more statements (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.
What a bank export looks like (made-up charges):
Chase · Amex · Citi · Capital One · Discover · Wells Fargo · RBC · TD Canada · Spanish-language bank
Spending by month
Card spending we can see, month by month
| Date | Merchant | Category | Charged to | Amount | Earned | Best card | Upside |
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Settings
Point valuations drive every dollar figure on this site.
Household
Two people, one pool of cards. The optimizer already searches your whole wallet — this makes it say whose card the charge belongs on.
Set who holds each card on the My Wallet tab. Ownership never changes a rate or a total — it only labels whose card a recommendation points at.
Display and language
Saved on this device.
In Spanish, menus, headings and buttons are translated, and so are Switch Charges, Recurring, Perks, Fees, Next Card, Offers, Credit, Calendar, My Wallet, the Dashboard's main panels, points expiry rules and messages. Still in English: card and merchant names; text copied from issuers and feeds (card benefits, credit names, offer wording, issuer application rules, bank error messages); the Dashboard's rewards goal, travel, bonus limit, welcome bonus, transfer bonus, by-person split and year-end panels; and the longer explanations under My Data and Settings.
Browser extension
The "which card here?" extension keeps its own wallet, because the browser will not hand an extension your session cookie (it is
SameSite=Lax, deliberately). Copy this code once and paste it into the extension instead of picking your cards again.It is just your card ids — no account, no token, nothing that could sign in as you.
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 (↺).
Charges we couldn't categorise
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.
Or just tell us here. A wrong rate, a card we're missing, a statement that wouldn't parse — anything. Goes straight to the person who built this. Nothing about your charges is sent, only what you type.
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.