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Today
Which card is this?
Your credits come from the card product, so nothing is calculated until you confirm it. We suggest, you decide — a guess here would be a ledger about a card you do not hold.
Needs your decision
The engine is not confident about these, so none of them count toward any figure above until you say yes.
When your credits expire
Capacity that disappears each month if it goes unspent. The semiannual cliffs land on 30 June and 31 December.
No credits expiring in this window.
Is each card paying for itself?
Credits captured this year against the annual fee. Points and cashback are not included — there is no earn-rate engine yet, and an estimate would flatter every card equally.
Every credit you hold
Sorted by dollars at risk per day remaining, so the top of the list is always the next thing worth doing.
Connected accounts
Disconnecting revokes our access at the bank and deletes everything derived from it — accounts, transactions, and the credits calculated from them. There is no undo; reconnecting starts the history again.
Which card should I use?
Type where you are about to spend. The answer is the card with the most credit left that covers it — and if nothing covers it, that is the answer too.
Your recurring charges
Where each one is charged today, and where it should be. The rotation grid below says the same thing across twelve months; this is what to change now.
The plan
Which card should pay each recurring charge, month by month. Where a merchant moves between cards, that is two capped credits at one merchant being drained in turn.
No plan yet.
Your household
Credits pool across everyone here — that is why two Platinums are worth more than one. Saying whose card is whose turns “use the Platinum ····2007” into an instruction someone can follow.
Transactions
Each row says which credit it fed, so any figure above can be traced back to the transactions behind it.