How it works

Your year, scored twice.

Once as it happened. Once as if every charge had gone on your best card. The difference is your upside — in dollars.

Your charges come inPlaid connection or a statement CSV — your wallet is detected automatically.

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Every charge re-scoredAgainst all 289 cards — caps, rotating categories, credits and FX fees included.

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A ranked to-do listWhat to move, what to use before it expires, which fee isn't earning its keep.

Caps are respected, in order

Charges are walked chronologically. Cross the Amex Gold's $25k grocery cap and the very next dollar drops to 1x.

4x — first $25,0001x after the cap

The counterfactual

Same data, scored twice. No projections, no assumptions about future spending.

You earned$1,055

Best cards$1,558

+$503 / yr upside

Credits expire month by month

A $10/month credit is twelve separate credits — December can't backfill March. Each period is simulated on its own.

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3 missed = $30 gone for goodcaught while there's still time

Subscriptions, found and flagged

The only spend you re-point once and earn on forever. Price hikes are detected too — a real step, not merchant noise.

$15.49/mo↑ $22.99/mo — flagged

Transfer bonuses, priced only when you ask

A live bonus to an airline or hotel appears only if your cards earn that currency. Type an amount and it shows two numbers at our published point values: what the points are worth now, and what they become during the bonus. It never changes a ranking, and every line says transfers can't be undone.

When card terms are ambiguous, the number errs low

289 cards, 931 earn rules, 239 credits — every rule sourced and dated. Ambiguity never rounds up:

2x, not 3xA card publishing both tiers is modeled at the lower one.

base rateUnpublished rotating categories earn no assumed bonus.

0xNo published base rate — excluded from recommendations entirely.

Open the demo →