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Open the demo

Which card?
Answered before
you pay.

Save the cards you own, pick what you are buying, and see which one earns the most. One tap, no bank login.

Open the demoSee how it works

American Express Gold earns 4x on dining.

Cards from

  • American Express
  • Chase
  • Capital One
  • Citi
  • Bilt

Credits you paid for and forgot to use. The Tracker remembers every one.

Tick a credit off as you use it. The Tracker keeps the running total, knows whether it resets in January or on your card anniversary, and shows what expires this month.

Left to memory

Two $10 credits a month, used when someone happened to remember.

Amex Gold, this year

$70of $200 used. $130 lapsed.

Dining credit$10 a month
Uber Cash$10 a month

With the Tracker

Each month gets ticked off. Try it: click any month.

Amex Gold, this year

$110of $200 used so far

Dining credit$10 a month
Uber Cash$10 a month

Sample wallet. Amounts are illustrative.

The annual fee, checked every month. Not once, at renewal.

Every card gets the same honest sum: credits you actually used, plus what your points are worth at your own valuation, against the fee. A card that is not paying for itself shows it long before the renewal lands.

American Express GoldValue earned backAnnual fee, $325

Sample card: about $52 a month in credits used and points earned.

Nothing is linked to your bank. You type in the cards you own. That is the whole setup.

There is no field for any of these, because the app never needs one and would rather not be able to lose them. It also means no ads and no feed to sell, which is why Premium costs $5 instead of nothing.

  • Card numberNever asked
  • Expiry dateNever asked
  • Security codeNever asked
  • Bank loginNever asked

Two plans. Both without ads.

Free

$0

Enough to answer the question for the cards you use most.

  • Up to 2 saved cards
  • The full Tracker and every calculator
  • Compare any cards in the catalog

Premium

$5a month

For wallets that outgrew a spreadsheet.

  • As many cards as you own
  • Everything in Free
  • Cancel whenever you like

Payments are not switched on yet. The demo is the whole app, with a sample wallet. Compare the plans in full.

Find out which card to use. It takes one tap.

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