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 286 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
When card terms are ambiguous, the number errs low
286 cards, 902 earn rules, 234 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.