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Two loungers on a beach at sunset with a laptop on a side table

Your credit card company owes you money.

Don't let statement credits and benefits expire in silence. We track every perk, credit, and renewal across 580+ cards — so you claim every dollar and never overpay for a card again.

Get StartedWhich Card?

Perk tracking is free. If paid tiers ever arrive, what you're using now stays free.

The Platinum CardAmerican Express · $895/yr · 12 creditsPre-selected
Hotel credit · Platinum$300Used
Resy dining · Platinum$1007 days
Uber Cash · Gold$15Open
The Edit hotel · Reserve$250Open
Left to claim this year$1,240
Never miss a perk. We track every credit you've used and pinpoint everything left to claim.Double the perks, zero overlap. Sync multi-card perks across your household to capture every credit without redundancy.

Stop losing money to fees.

A premium card is a bet: pay the fee up front, earn it back in credits. The issuer writes the terms, and the terms are designed to be missed. Credits that do nothing until you enroll. Monthly, quarterly, semi-annual and anniversary clocks that never line up. The same benefit sold to you twice on two cards. Miss a window and the money is gone — the fee isn't.

  • 61%of this wallet's credits are worth nothing until someone opts in — $3,429, card by card, every year.
  • 135separate windows a year across three cards. Twelve of them close every month.
  • 8benefits paid for twice. Hotel, dining, Uber, Global Entry — one card covers it, the other is along for the ride.

Credit card benefits are a headache. Not anymore.

Lost Perks puts every credit, window and card for the whole household on one system — so the fee is a prepayment you actually get back, not a cost you forgot to collect on. The four promises below are shown on this wallet:

The wallet on this page
  • The Platinum CardAmerican Express · $895/yr · 12 creditsYours
  • Sapphire ReserveChase · $795/yr · 8 creditsYours
  • American Express Gold CardAmerican Express · $325/yr · 5 creditsPartner's
This wallet, on autopilot3 cards · $2,015/yr in fees · what the credits are worth if nobody manages them
Credits promisedthe number on the brochure$5,638
Dead until you enrollopt in, card by card, every year−$3,429
Bought twicethe same benefit on two cards−$530
Expires on a clock135 windows a year, none aligned — at risk$2,199
Works without youautomatic, not duplicatedfees $2,015$1,679

Left alone, these three cards return $1,679 against $2,015 in fees. The other $3,959 only exists if someone enrolls, remembers every window, and reaches for the right card at the register.

Four promises. Four proofs.

Pick a promise, or keep scrolling — each one is shown on this household's real wallet.

Frictionless Onboarding & Valuation

Zero setup friction. Real math on what cards are actually worth.

  • Add your cards. See your perks. Search 580+ products with perk, fee, and credit identified — no download, and no credit card numbers collected.
  • Set your spend preferences. The Lost Perks AI model will rank and weigh your perks & credits based on your preferences, helping you prioritize where to spend.
The Platinum Card · effective annual fee
Annual fee$895
At face value issuer's best case−$2,099
Realistically captured weighted by what you'll use$994
Your effective fee−$99The card is paying you.

Live effective annual fee — Track exact net costs in real time as statement credits trigger. Once that figure crosses below zero, the bank is paying you to keep the card in your wallet.

Two minutes. No card numbers.

Add your first card and the effective annual fee is on screen before you've finished your coffee.

Add your first card free
Spend Guidance & Perk Alerts

Never let an annual credit expire again.

  • Annual fees are prepayments, not costs — but only if you capture the returns. Lost Perks consolidates every credit window across all your household cards onto a single, synchronized timeline.
  • Drill into any category to view available credits, highlight redundancies, and walk through a step-by-step process for how to enroll in each.
  • Alerts, three times. Notifications sent 30 days, 7 days, and 24 hours before any window shuts, so money never slips away unnoticed.

Your Master Calendar

25 credits · 135 windows a year · 3 cards
CreditCardWhoseValue / yrGateDuration of Perk
JFMAMJJASOND

window opens anniversary, month unknownalso on another card the same benefit on two cards in this walletDrafted a figure not yet verified against issuer terms

Reclaim What's Already Yours

See your available perks in minutes and start getting alerts immediately.

Sync Your Cards
Household Optimization & Redundancy Detection

Stop paying twice for the same benefit.

  • Single source of truth. Coordinate multiple wallets, shared tabs, authorized users, and annual fees across the entire household in one unified space.
  • Intelligent perk separation. Pool shared household benefits like streaming and dining credits while keeping individual travel and lounge perks separate.
  • Conflict detection. The Lost Perks AI reviews your cards, identifies duplicative and redundant perks/credits, and highlights missed value and opportunities.
Hotel creditResy dining creditUber CashGlobal Entry / TSA PreCheck feeDining creditEntertainment creditRental car coveragePriority Pass lounges
  • Hotel creditUse The Platinum Card · also on Sapphire Reserve$600/yr
  • Resy dining creditUse The Platinum Card · also on American Express Gold Card$400/yr
  • Uber CashUse The Platinum Card · also on American Express Gold Card$180/yr
  • Global Entry / TSA PreCheck feeUse The Platinum Card · also on Sapphire Reserve$30/yr
  • Dining creditUse Sapphire Reserve · also on American Express Gold Card$300/yr
  • Entertainment creditUse Sapphire Reserve · also on American Express Gold Card$300/yr
  • Rental car coverageUse Sapphire Reserve · also on The Platinum Card, American Express Gold Card
  • Priority Pass loungesUse The Platinum Card · also on Sapphire Reserve

Gold: the card to use. Grey: along for the ride.

8 findings · catalog facts, not opinions
Same credit more than once

Hotel credit on 2 cards

The Platinum Card — use this one · Sapphire Reserve

The Platinum Card $600/yr, Sapphire Reserve $500/yr. Both pay for the same thing.

Use The Platinum Card first — its credit is the larger — and spend the other before its window closes. Both count; the risk is forgetting the second.

Same credit more than once

Resy dining credit on 2 cards

The Platinum Card — use this one · American Express Gold Card

Yours, when you build itThe reason and the fix are part of your wallet.
Same credit more than once

Uber Cash on 2 cards

The Platinum Card — use this one · American Express Gold Card

Yours, when you build itThe reason and the fix are part of your wallet.
Same credit more than once

Global Entry / TSA PreCheck fee on 2 cards

The Platinum Card — use this one · Sapphire Reserve

Yours, when you build itThe reason and the fix are part of your wallet.
Same credit more than once

Dining credit on 2 cards

Sapphire Reserve — use this one · American Express Gold Card

Yours, when you build itThe reason and the fix are part of your wallet.
Same credit more than once

Entertainment credit on 2 cards

Sapphire Reserve — use this one · American Express Gold Card

Yours, when you build itThe reason and the fix are part of your wallet.
Coverage

Rental car coverage at two strengths

The Platinum Card · Sapphire Reserve — use this one · American Express Gold Card

Yours, when you build itThe reason and the fix are part of your wallet.
Coverage

2 Priority Pass memberships

The Platinum Card — use this one · Sapphire Reserve

Yours, when you build itThe reason and the fix are part of your wallet.

Smarter together: End card conflict.

Spot the 8 places your household is paying double. We deliver the diagnosis, the winning card, and the permanent fix in one unified dashboard.

Optimize your Cards
Intelligent Portfolio Strategy

Your life, optimized down to the dollar.

  • Custom spending models. Receive continuous portfolio optimizations that adapt to where your spending habits actually take you.
  • Objective renewal verdicts. Get data-backed recommendations before annual fees hit, giving you an unequivocal answer on whether to keep, downgrade, or cancel.
  • Gap analysis. Identify blind spots in your collective wallet to capture high-yield categories without inflating your fee overhead.
  • End-to-end fee recovery. Transform a scattered collection of annual fees into a cohesive, net-positive financial system that runs quietly in the background.
Where you spend
three sample trips, one wallet · changes every 20 s

Sample questions, on the sample wallet. Ask about your own cards on Which Card? — or build your wallet and ask it here.

Opportunity Cost$395if you reach for the wrong card at each step
Your wallet covers6 of 6steps
Cards used3 of 3the whole wallet earns its keep

A week in Palm Springs

From the sample question: “I am flying to Palm Springs in November, ren…”

6/6steps covered$395opportunity cost
  1. 1Booking the flightTravel and airline-fee credits apply to the fare or its incidentalsSapphire ReserveTravel credit — $300 per yearIf you skip it: $300 of Travel credit goes unused this window.
  2. 2At the airportLounge access before the flightThe Platinum CardPriority Pass, Centurion, Delta Sky Club, Plaza Premium access · typical price, not a quoteIf you skip it: a day pass, about $50 a visit — a typical price, not a quote.
  3. 3Renting the car for a weekPay with the card whose coverage is primary and decline the counter's waiverSapphire ReservePrimary rental car coverage · typical price, not a quote→ Decline the counter's collision waiverIf you skip it: the counter's waiver, about $30 a day — a typical price, not a quote.
  4. 4Staying at the AirbnbNo hotel credit applies to a rental home - earn the best travel rate insteadSapphire Reserve8× on travel, points onlyIf you skip it: points only — nothing is lost but the rate.
  5. 5Buying groceriesNo grocery credit in this wallet - the best grocery rate winsAmerican Express Gold CardYour partner's card.4× on groceries, points onlyIf you skip it: points only — nothing is lost but the rate.
  6. 6Getting around townRides and transitThe Platinum CardUber Cash — $15 per month · enrol firstIf you skip it: $15 of Uber Cash goes unused this window.

Credit amounts are face value for the current window. Waiver, lounge and insurance figures are typical prices, not quotes.

Right card. Right time. Before you tap.

Real-time card recommendations sent before the purchase, not after the regret.

Start getting more for your dollar

Time is money. Save both.

The right card for the right spend

DiningBESTAmex Gold4×
FlightsBESTVenture X5×
GroceriesBESTAmex Gold4×

From dinner reservations to airline tickets, we pinpoint the exact card that delivers the highest return — so you never leave points or perks on the table.

All categories

Does your card cover it?

Rental car damageFROM$95/yr42 cards
Cell phoneFROM$0/yr28 cards
Trip delayFROM$95/yr19 cards

Rental insurance, flight delays, cell phone coverage. Search every perk across all card issuers and find the cheapest card that covers your exact needs.

All coverage

Bank grade security. Zero compromises.

We hold the map of your benefits, never the keys to your money. Every connection is read-only, optional, and reversible.

No card numbers, ever

We hold card benefits, not payment details.

Read-only & 100% optional

Bank connections are managed by Plaid. Disconnect anytime to wipe sync data immediately.

Enforced 2FA

Keep your account secure with mandatory passkeys, authenticator apps, or email verification codes.

Never sold or monetized

No advertisers. No data brokers. Your financial life remains strictly private. Read our privacy policy →

Never think about annual fees again

Set up your wallet in two minutes to get automated expiration alerts, real-time card picks, and a clear renewal verdict on whether every card earned its keep.

Build my wallet

No card numbers, ever. A bank connection is optional.