Real screenshots from real portfolios. Every number - your weighted earning rate, whether each annual fee still pays off, which card to apply for next - traces back to math you can audit in our public catalog. No marketing-speak, no live award searches we can't actually do, no promises we can't keep.
01
Most apps say your Amex Gold earns 4x on groceries. Spend $30,000 a year at U.S. supermarkets and you've blown past the $25,000 cap, so your real weighted rate is 3.5x, not 4x. We track the cap and your actual spend, then show the calculation behind the number instead of repeating the marketing rate.
02
We analyzed $92,273 of your annual spend and found 88 cards that could add value to your portfolio. Your top pick would net an extra $1,555 a year, and it's carrying an all-time-high welcome offer, rated against the card's own history, not a generic "elevated." Every recommendation is ranked off your actual transactions and what your spending can realistically hit, so the number is yours, not a national average.
03
Your Amex Platinum reads "Worth It": the credits and perks you've actually used cover the fee and leave a $777 surplus, a 196% return on what you paid. A Chase Sapphire Reserve Business in the same view gets flagged "Re-evaluate." Each card shows its keep-or-cancel verdict and the honest fee history. The Platinum's fee rose from $695 to $895 in September 2025, so the math reflects what you actually paid in the card-year you're in, not the latest number applied backward.
Free. The verdict needs that card's transactions synced, without the data we won't pretend to judge the fee. Free auto-syncs 1 card, Plus 5, Pro your whole wallet, so the only step is connecting every card you want a verdict on.
04
ProWe run 30+ issuer eligibility rules across 10 issuers against your own history - application limits, once-per-lifetime bonus language, and cooldown windows, plus the velocity limits most trackers never check. Right now 392 cards across 8 of those issuers are open to you; the calendar shows which to apply for, which to wait on, and your next safe date. It's a guardrail built to keep a hard pull from going to waste, and it flags when an offer is at an all-time high, so you apply when you're both eligible and the bonus is elevated.
05
Your top transfer right now is Amex MR to Flying Blue, worth about +$1,524 over cashing out. Several live transfer bonuses are running too, the biggest being Chase UR to Marriott at +55% and Citi TYP to Qatar at +30%. We map 115+ transfer partnerships with verified ratios and CPP benchmarks per redemption type, then track which bonuses are live, so you can see when transferring beats cash and when one is worth moving on.
Honest constraints make the rest more credible. Here's where we deliberately stop - and where you'll want a different tool for that job.
CPP benchmarks are typical-case math, not "this seat is bookable today." For live award seats, point.me and Seats.aero are better tools - and we link directly to them when relevant. Our optimizer is a guide, not a search engine.
Auto-activation would mean operating outside Plaid's read-only model. We chose Plaid because it's the modern standard, the read-only bridge every major fintech is built on. The trade-off: you activate offers yourself (which takes seconds), but your accounts never go out of sync.
Anyone who's tried to book a 1AM Avianca LifeMiles flight knows the difference between "this transfer is generally a good idea" and "this seat exists right now." We do the first; we link out for the second.
