Eliminate duplicate perks and wasted fees
We cross-reference every card in your wallet to flag redundant benefits and question fees before they renew.
Wallet Audit
View the redundancies and efficiencies you carry with your current card setup.
Total value of redundant credits
$1,616
Overlapping annual credits
Overlaps
18
Perks shared by 2+ cards in your wallet
Bank apps only see their own cards
Chase doesn’t look at your Amex, and Citi doesn’t track Capital One. Overlapping perks and wasted fees live in the gaps between institutions, where single-bank apps are completely blind.
Banks are not incentivized to flag cross-issuer redundancies
Two cards from two issuers can cover the same thing, and neither bank will tell you.
Some duplicates can’t be used
One person only needs a single Global Entry perk. Duplicates are wasted value.
Fees renew quietly
The fee posts on the anniversary whether the card earned it or not.
An AI audit for your wallet
Unbiased intelligence that works for your balance sheet, and your life.
Unify your wallet
Add every card across every issuer in seconds.
AI duplicate detection
Instant detection of redundant benefits and hidden fees lurking across different banks.
Modeled against your real spend
Our multi-variable model models your real spend against redemption friction, merchant category caps, and fee to identify the true value of your cards.
A clear, unbiased verdict
Actionable recommendations: cancel underperforming cards, add new cards that deliver value, or maintain.
A sample audit
Four cards from three banks, and two findings no bank app would show.
John’s Gold
John
Annual fee
$325
Net used
$5
Good to know
Will you cancel a card for me?
No. We show the numbers. The decision is yours.
Are you paid for recommendations?
No. No affiliate links, no bounties.
What does it cost?
It’s free, and it stays free.