You're using the wrong card.
We'll show you exactly how much it costs.

A daily email that analyzes every transaction across every card you hold and tells you the exact dollar amount you left on the table.

Start free trial Try the free lookup

7-day free trial. Cancel anytime.

Connects to your bank via Plaid. 50+ cards supported. US credit cards only.

Every morning at 8am

Card Optimizer
You left $37.20 on the table this month. $4.18 yesterday.
-$3.40 Whole Foods $87 on Sapphire. Amex Gold earns 4x groceries = $3.48 vs $0.87.
-$0.78 Uber $24 on Freedom. Amex Gold earns 4x dining = $1.92 vs $1.14.
$10 expiring Amex Gold dining credit resets in 3 days. $0 of $10 used.
Delta companion cert: $28,400 / $35,000. On pace for June.
Today, 8:00 AM

Seeing real dollars changes your habits fast. Most people course-correct within a week — the daily number drops, and the savings are permanent.

How it works

1

Connect your cards

Link your credit cards through Plaid. Read-only access — we can never move money or make changes. Takes 2 minutes.

2

We analyze every transaction

Each purchase is classified by merchant category and compared against the reward rates of every card in your wallet.

3

Wake up to an email

Every morning: missed earnings in dollars, credits about to expire, and spend goals you're close to hitting. Three minutes to read, saves you real money.

Your first digest arrives tomorrow at 8am ET.

What's in every email

$

Missed Earnings

Every transaction compared to every card you hold. Exact dollar amount you left on the table.

⊚

Expiring Credits

Monthly dining credits, Uber credits, airline incidentals — never let them reset unused again.

↑

Signup Bonus Tracker

Track spend progress toward every signup bonus. Know if you're on pace or falling behind.

↓

Annual Fee ROI

Is your card worth the fee? Credits + earning advantage vs cost — see the math, not the marketing.

How we're different

Most card tools tell you what to swipe next. We tell you what yesterday actually cost you.

Card OptimizerKudosMaxRewardsCardPointers
Missed earnings per transaction Yes Averages only No No
Connects to your bank Yes Yes Yes No
Daily email digest Yes No No No
Expiring credit alerts Yes Yes Yes Basic
Annual fee ROI analysis Yes No No No
Spend threshold tracking Yes No No No
Signup bonus tracking Yes No Yes Yes
5/24 status tracking Yes No No Yes
Free merchant lookup Yes (800+) No No No
Price $49/yr Free From $108/yr $72/yr

Your security is non-negotiable

You're trusting us with financial data. Here's exactly how we protect it.

🔒

Read-only via Plaid

We connect through Plaid, the same provider used by Venmo, Robinhood, and Coinbase. We can see transactions but can never move money, make charges, or access your accounts.

🔓

No credentials stored

Your bank username and password go directly to Plaid and are never sent to our servers. We never see, store, or have access to your login details.

🔐

Encrypted at rest

Sensitive data is encrypted with AES-256-GCM — the same encryption standard used by financial institutions. Your connection tokens are never stored in plaintext.

🗑

Delete everything, anytime

One click in Settings removes all your transaction data, card mappings, and account information permanently. We also disconnect from Plaid so no future data flows.

Start optimizing today

Daily Optimizer
$49/year
7-day free trial · or $4.99/month
  • Daily email digest at 8am
  • Missed earnings in dollars
  • Expiring credit alerts
  • Signup bonus spend tracker
  • Annual fee ROI analysis
  • Card recommendations based on your spending
  • Automatic via Plaid — zero effort
Cancel anytime. Average user saves $300+/year.
Rewards Spreadsheet
$19 one-time
No account needed. Instant delivery.
  • All 50+ cards, every reward rate
  • Best card by spending category
  • Credit tracker & spend thresholds
  • Transaction analyzer
  • 500+ merchants, full MCC reference
  • Excel, Google Sheets, Numbers
Emailed to you instantly

Frequently asked questions

Yes. We use Plaid, the same provider trusted by Venmo, Robinhood, and thousands of financial apps. Connection is read-only — we can see transactions but never move money or access your credentials.
Transaction history (merchant name, amount, date, category) and which cards you use. We never store your bank login credentials — those go directly to Plaid.
Yes. Go to Settings → Danger Zone → Delete Account. This removes all your transaction data, card mappings, and account information permanently.
Tomorrow morning at 8am ET. We analyze your recent transactions overnight and send your first digest with missed earnings and credit alerts.
Full access to everything — daily emails, dashboard, credit tracking, card recommendations. No charge for 7 days. Cancel anytime from Settings before the trial ends.
50+ US credit cards including Chase Sapphire, Amex Gold/Platinum, Capital One Venture, Citi Double Cash, Discover it, and many more. We add new cards regularly.
We compare what you earned on the card you used vs. what you would have earned on your best card for that merchant's category. The difference is your missed earning, shown in cents per dollar.
Yes — the free merchant lookup works without an account. For the full daily optimization, you'll need to connect via Plaid so we can analyze your transactions.