Scan to join the beta

TestFlight

Requires iOS 18 or later

Same spending
More rewards

CardCompass recommends the higher-earning card for every purchase and automatically tracks credits, welcome bonuses and merchant offers to maximize your card perks and benefits.

How it works

Two steps to set up
The rest is automatic

  1. 01

    Add your cards

    Search by card name. Category rates and credits load automatically.

  2. 02

    Connect your bank (optional)

    Link your card issuers through Plaid to sync transactions automatically.

  3. 03

    Rewards calculated automatically

    Every transaction shows its points and value, and flags the better card with the amount missed.

  4. 04

    Net earnings, added up

    Cash back, points, credits, offers and welcome bonuses are added up, net of amortized annual fees.

Best Card

Beyond multipliers
Every reward added up

CardCompass combines point value, merchant offers, unused credits and welcome bonuses to recommend the card that earns more on every purchase.

Nearby, at home and abroad

Recommends a card for every merchant nearby.

Ranked by category

Pick a category and amount to rank every card by return.

Why this card

Points, credits and welcome bonus, itemized.

Credits & Fees

Use every credit
before it expires

CardCompass tracks every credit on every card, reminds you before each one expires, and calculates annual fee break-even automatically.

$1,074credits
vs
$895annual fee

Where these credits work

Hilton Delta United American Airlines Dell Adobe CLEAR ChatGPT AT&T
CardCompass AI

Ask anything
about your cards

A credit card AI that truly understands your wallet.

Powered by Anthropic Claude OpenAI GPT

An expert-level plan
for every question

Grounded in your wallet and each issuer’s rules.

Try asking

Plug your wallet
into your AI tools

CardCompass MCP connects your wallet data to your Claude, ChatGPT and Muse.

Once connected, try

Transaction insights

Every purchase
accounted for

CardCompass sums up spending and points for any period, flags purchases made on the wrong card and what they cost you, and keeps a spending history for every merchant.

Transactions

Spend and points by period, each purchase listed.

October 2026
Monthly Spend $29,826 13% vs September 2026
Points Earned 51,813 8% vs September 2026
Oct 1 Oct Sep same period Oct 31
Travel 24% Hotels 23% Dining 22% Rest 30%
Merchant Ranking All
Marriott$4,458 · 2 txns
Delta$3,761 · 3 txns
OpenAI$2,600 · 5 txns
Best Rate 58% | Missed 28 txns · $858
All Missed Card Type Time
Oct 20, 20265 txns · $4,035.49
Starbucks Bonvoy Brilliant··4002 Benefit · Welcome · Offer Missed $0.29 · use Amex Gold
−$7.85+24Value $0.26
Apple TV Chase Sapphire Reserve··5318 Benefit Best
−$12.99+13Value $0.19
Uber Eats Amex Gold··1047 Benefit · Welcome · Offer Best
−$38.75+155Value $2.71
Amazon Capital One Venture X··2290 Best
−$129.50+259Value $3.11
Marriott Amex Business Platinum··1006 Missed $186.55 · use Bonvoy Brilliant
−$3,846.40+3.8kValue $67.31

Missed rewards

Flags wrong-card purchases and the card to use.

Oct 20, 2026
Marriott
Used a sub-optimal card
Actual Usage Amex Business Platinum 1x · +3,846 MR ≈ $67.31
Better Choice Bonvoy Brilliant Marriott 6x
Missed optimization$186.55
Transaction Info
Card UsedAmex Business Platinum ···1006
Transaction Amount−$3,846.40 USD
Transaction DateOct 20, 2026
Posted DatePending
Transaction CategoryLodging
Points ProgramMembership Rewards
Earned points+3,846 pts
Earn Rate1x
Return Rate1.75% · 1.75¢/pt
Merchant Websitemarriott.com
Bank DescriptionMARRIOTT MARQUIS NEW YORK NY

Merchant history

Two years of spend, visits and rewards by card.

Merchant History · Past 2 Years
United Airlines
Spend $20,392.10 33 transactions in the past 2 years Total Earnings≈$1,112.56
Avg$618
Max$1,747
Frequency3x/mo
Best Rate93%
By card
Chase Sapphire Reserve···5318
$16,239+64,959 UR≈$974.36
United Club···7731
$1,542+7,709 UA≈$92.50
Amex Business Platinum···1006
$2,611+2,611 MR≈$45.69
TransactionsLatest 2
Oct 16, 2026
Amex Business Platinum
···1006Spend
−$1,746.80+1,747 MR
Oct 2, 2026
United Club
···7731Spend
−$642.30+3,212 UA
View all 33 ›

Applied automatically

Counts toward credits, welcome offers and offers.

Uber Eats
Already optimal
Card in UseAmex Gold4x · +155 MR ≈ $2.71
Best CategoryDiningHighest return in this category
Earnings
Base Points4x · Dining
+155 MR≈$2.71
SUB$5200 / $8000
+$38.75 This Transaction
Benefit Offset$10 / $10
+$10.00
Offer BonusUber Eats: spend $25, get $5 back
+$5.00
Total Estimated Value≈$2.71

Monthly earnings

This month's net earnings, itemized by points, credits, offers and amortized annual fees.

Month-to-date Oct 1, 2026 - Oct 20, 2026
+$70045%
vs+$484·Sep 1, 2026 - Sep 20, 2026
Earnings Breakdown
✨Points Earned+$766
💵Cashback Earnings$0
🎁Benefit Usage+$71
🎉Offer Earnings+$25
🏆Welcome Offer$0
📅Annual Fee (Amortized)−$162

Merchant ranking

Spend, points and transactions by merchant this month.

1Marriott
$4,458+6,294 pts2 transactions
2Delta
$3,761+5,314 pts3 transactions
3OpenAI
$2,600+5,000 pts5 transactions
4Apple
$2,527+2,656 pts2 transactions
5United Airlines
$2,429+5,159 pts3 transactions
6Hyatt
$1,866+1,866 pts1 transactions
7LLe Bernardin
$1,484+1,484 pts1 transactions
8MMasa
$1,388+4,164 pts1 transactions
9PPer Se
$1,212+1,212 pts1 transactions
10EEleven Madison Park
$1,046+1,046 pts1 transactions
11PPeter Luger
$976+976 pts1 transactions
12Amazon
$723+1,034 pts5 transactions
13Best Buy
$650+975 pts1 transactions
14Hilton
$596+5,536 pts2 transactions
Daily intel

Daily card intel
all in one brief

CardCompass follows English and Chinese card communities and blogs daily and turns what changed into one brief, with an action for every item.

Seven kinds of intel

  • ATHAll-time-high welcome offers
  • Limited TimeLimited-time boosts
  • RulesRule and benefit changes
  • TransferPoint transfers and bonuses
  • Great RedemptionHigh-value redemptions
  • CutBenefit cuts and devaluations
  • DPData points from real users
Application rules

Know before
you apply

CardCompass checks every issuer's application rules against your approval dates and shows the slots you have left and when each one opens up.

17card issuers
36application rules
ChaseAmerican ExpressCitiCapital OneBank of AmericaWells FargoDiscoverU.S. BankBarclaysBilt
More features

And so much more

Points Management
Total points valuation
$5,421 ↑ $201 this month
Value
Transferable points · 3 accounts
Membership Rewards 2 cards
136k$2.4k
Ultimate Rewards 2 cards
84k$1.3k
Capital One Miles 1 card
58k$707
Branded Points · 1 account
Hilton Honors 1 card
212k$1.1k
Transfer Bonus · 1
MR → Air France/KLM Flying Blue Limited Time
10d+25%
9:41
Points
Citi / AAdvantage Executive Card···· 8806
12x 4x 1x
Account Overview
$2,486Amount Due
Due Nov 9
Limit $30k ·8%
Fee Breakeven$670 / $695
96%Recouped
Credit Benefit Transactions
Card Credits·5 items$245Available
Lyft$5 / $15 11d$10 to go
Avis/Budget$60 / $120 72d$60 to go
American Airlines Vacations$75 / $250 72d$175 to go
Grubhub$10 / $10 Completed
Global Entry / TSA PreCheck$120 / $120 Completed
9:41
Wallet
Credit Details
Uber Cash
Amex Gold ••••1047
Monthly
Completed
This Cycle's ProgressAdjust
$10 / $10
Done ✓
Benefits Used This YearMonthly
$50/ $120
This Cycle's Records1 entry
Today Tue$38 · 1 txn
Uber Eats +$10
History This year's progress · full history · spend and credits
Benefit Rules
Eligible scope

Uber rides (all car types) and Uber Eats delivery/pickup in the US. Uber Cash is issued as in-app balance; Gold Card must be linked in Uber App.

Crediting method

$10 Uber Cash automatically credited on the 1st of each month ($120/year). Applied directly to orders, not a statement credit.

Things to know

Unused Uber Cash expires at month-end; does not roll over.

US only.

Must set Gold Card as the payment method in Uber App wallet.

Tips

Remember to use it early each month to avoid expiration waste.

Uber Eats pickup has no delivery fee; $10 can cover a lunch.

9:41
Credits
Benefit Details
Trip Delay
Chase Sapphire Reserve ••••5318
Annual
In progress
Benefit Rules
Claim Deadline

You must file a claim within 60 days of the incident, or it won't be paid

Claim Threshold

Claims apply only after a delay of 6+ hours

Coverage Area

Worldwide

Coverage

Delay

Eligible scope

Cardholder pays all or part of travel with this card. When traveling by common carrier (plane, train, ship, bus) and delay >6 hours or requires overnight stay, get one-time reimbursement up to $500 for reasonable personal expenses: meals, lodging, toiletries, medicine, clothing, charger, transport. Covers cardholder and travel companions.

Crediting method

Report the claim within 60 days of the trip delay (or as soon as reasonably possible) and submit the requested documents within 100 days of the delay; provide delay letter from carrier, receipts, expense description. Chase reimburses actual reasonable expenses up to $500.

Things to know

No restriction on delay cause (weather, mechanical, ATC), but need official written proof.

Only for tickets paid with this card; award tickets may not qualify if taxes/fees are minimal.

$500 per ticket; if 3 traveling companions each have tickets, each can claim individually.

Keep all original receipts.

Tips

Keep all dining receipts immediately after 6-hour delay.

If airline already provides lodging or meal vouchers, Chase insurance typically does not double-pay covered items, but may reimburse additional expenses.

9:41
Benefits
SoHo· 15 nearby
Dining· 4 nearbyChase Sapphire Reserve 3x~4%
Hotels· 4 nearbyChase Sapphire Reserve 4x~6%
Coffee· 3 nearbyChase Sapphire Reserve 3x~4%
CardCompass
Citi Strata Elite
73%
$1.6k to go
35d
CardCompass
SoHo
Dining· 4 nearby
3x~4%
CardCompass
Don't miss
Peloton CreditChase Sapphire Reserve · 5318 11d
Dining CreditBonvoy Brilliant · 4002 11d
Annual Hotel BenefitCiti Strata Elite · 6624 72d
CardCompass
Search
CardCompass
9:41
Widgets
Security & privacy

Your data
Your control

  • Bank-level encryption

    All data is encrypted in transit, and bank connection credentials are encrypted at rest.

  • On-device storage

    Data stays on your iPhone and syncs only through your iCloud.

  • Read-only access

    Plaid handles your bank login. Transactions sync with read-only access.

  • Never sold

    Your data is never sold or used for advertising.

Frequently asked questions

Is CardCompass free?

The CardCompass app is free, with core features like best card picks, credits and annual fees, and card rules. Pro members get more advanced features. Every feature is free during the public beta.

Which banks and cards does CardCompass support?

Cards from major US issuers are covered, including American Express, Chase, Bank of America, Citi, Capital One, Discover, Wells Fargo and US Bank. Bank connections run through Plaid, which supports more than 10,000 banks and credit unions.

Do I have to connect my bank to use CardCompass?

No. You can add cards by hand, and core features like card picks, credit reminders, benefit rules and application rules all work without a bank connection. Connect a bank and transactions sync automatically, counting toward your credits and welcome offers.

Which devices and languages does CardCompass support?

iPhone for now, on iOS 18 or later. Android, Mac and Windows versions are planned. Languages: English, 简体中文, 繁體中文, Español, 한국어 and 日本語.

How do I join the CardCompass public beta?

On your iPhone, tap Join the TestFlight beta below, install Apple's TestFlight when prompted, then install CardCompass in TestFlight through our invite link.Tap Join the TestFlight beta below and leave your email to request an invite. When a spot opens, you'll get a TestFlight invite by email.

How do I contact CardCompass?

Tap Contact Support in the app to message us, or email [email protected].

Start using CardCompass

Join the TestFlight beta

iOS 18 or later·6 languages

Not ready for TestFlight? Leave your email and we'll let you know at launch.

Request a beta invite

Leave your email. When a spot opens, you'll get a TestFlight invite by email.