You already know the game
You just need something that keeps up with you.
Gone. Every year.
You pulled the Sapphire at the grocery store. The Gold was right there. That 1x vs 4x difference adds up fast.
Which one right now?
You know the answer changes by merchant, category, and quarter. You just don't want to think about it at the register.
Until that bonus deadline
The $8,000 minimum spend on your Ink Preferred. The annual fee hitting next month. The retention call you keep putting off.
How it works
No spreadsheets. No guessing.
Add your cards
Google sign-in or email. Pick your cards from our database. Done before your coffee gets cold.
Tell us how you spend
Rough monthly numbers for dining, groceries, travel, gas. Or connect Plaid and we'll figure it out.
Use the right card
Open the app, tap a category, see your best card. Link a bank and Churn flags purchases that went on the wrong card.
Your wallet, everywhere
On the web today, with mobile, watch and browser apps coming soon
Web App
Full dashboard with all features. Works in any browser.
iOS App
Native iOS app with a home-screen widget, notifications, and a Wallet pass.
Chrome Extension
Best card at checkout. Adds your Amex Offers for you.
Apple Watch
Best card at a glance, right on your wrist.
PWA
Install to your home screen for instant access at checkout.
Simple, transparent pricing
Start free. Upgrade when you're ready.
Free
Everything you need to start optimizing your wallet
- Smart Card Picker
- Reward Matrix heatmap
- Churn Score
- Churning Tracker
- Deal Alerts
- Transfer Partners directory
- Application Rules
- Bank transaction sync (Plaid)
- Up to 10 cards
Premium
Advanced analytics and AI-powered tools for serious churners
or $39.99/yr (save 33%)
- Everything in Free
- AI Chatbot advisor (30 messages a day)
- Household Mode
- Monte Carlo Simulation
- Points Portfolio
- Missed Rewards Report
- Annual Fee ROI advisor
- Year in Churn summary
- Data export
- Unlimited cards
Lifetime
Pay once, optimize forever. Best value for committed churners
- Everything in Premium
- Lifetime access
- All future features included
Never Miss the Best Card Offer
Join the list for card recommendations and deal alerts by email. Free.
Your wallet is leaking money
Free. Works with every major US and Canadian card. Takes 30 seconds.