How it works
Five features. One honest verdict.
Premium cards earn back their fee — but only if you actually use the credits. We make sure you do.
Step 1
Add Card
Pick from the premium cards we track. Every benefit is pre-loaded — dining credits, lounge access, dollar amounts, reset cadences.
Why it matters
You stop the 'what credits does this card even have?' Googling. We've already done it.
How to use it
From the dashboard, click Add Card → pick the card → confirm your fee year. Takes 30 seconds.
Step 2
Track Credits
Tap a credit to mark it used. Or upload a statement PDF and our AI matches charges to credits automatically.
Why it matters
Manual takes a minute per card per month. The scanner takes seconds and catches credits you forgot.
How to use it
On the card page, tap each credit as you use it — or click Upload Statement once a month and confirm the matches.
Step 3
ROI & Verdict
Live dashboard shows captured value, remaining potential, days to break even, and a projected year-end net.
Why it matters
Renewal decisions stop being guesses. The verdict is keep, downgrade, or cancel — with the dollar math behind it.
How to use it
Open the dashboard. Each card carries its own ROI bar and verdict chip. Sort by best/worst ROI.
Step 4
Enrollment Tracker
Surfaces every benefit that requires manual issuer enrollment — and most cards have $1,600+ in these.
Why it matters
If you don't opt in through the Amex or Chase portal, the credit is invisible to you and worth zero.
How to use it
Card page → Enrollment tab → one-tap link to the issuer portal. We mark it enrolled when you confirm.
Step 5
Statement Override
When our benefit data is wrong (issuers change things constantly), you can override it. Your statement wins.
Why it matters
Real-world truth beats catalog data. Every override improves the database for the next user.
How to use it
Any benefit row → '…' menu → Override value. The new value is yours; we use anonymized overrides to verify our data.