Lost and found for your wallet
We uncover every buried perk across the cards you hold and alert you before a single dollar slips away.
Perks are built to be missed.
Banks issue credits at face value and count on most going unused.
Enrollment required
Most credits pay $0 until you toggle them on inside the bank’s app. No auto enrollment, no warnings, no retroactive credits.
Credits expire, often
Monthly, semiannual, calendar year, card anniversary. Every perk has its own timer, and banks let them expire in silence.
The fine print decides
It has to be the issuer’s kind of merchant, and the charge has to post before the window shuts.
A credit is a chain. Miss a link and the credit is lost.
Banks list credits at face value. We track each step for you so you never miss a credit.
Enroll with the issuer
Some credits require enrollment. We flag and show you how.
Spend before it resets
Monthly, quarterly, semiannually, annually, before the credit resets.
At a qualifying merchant
We’ll tell you who so it counts.
Post in time
A charge that settles late lands in the next window.
The Platinum Card
Its credits add up to more than three times its fee. What matters is how many you use.
- Total annual credits
- $3,014.40
- Annual fee
- $895
- Breakeven hurdle
- 30%
Recover just $895 of the $3,014 available, and the card pays for itself. Every dollar redeemed after that is pure profit.
Good to know
Do I have to connect my bank?
No. Mark a credit used with one tap, or connect read-only through Plaid and credits confirm as they post.
Do you store my card numbers?
Never. You pick your cards by name.
What does it cost?
Perk tracking is free, and it stays free.