If you carry a balance, rewards apps are showing you the wrong number. Enter three things from your statement and see what your card — and your next purchase — actually costs you.
Nothing is stored or sent anywhere. The math runs entirely in your browser.
Your results print here, line by line — payoff date, total interest, your yearly bleed, and the one number no card app will show you: the true rate your rewards card is really paying you. > awaiting input _
Every card optimizer compares cashback rates. None of them subtract interest — because they're built for the half of America that never carries a balance.
Issuers earn more from interest than from anything else. The rewards program is the reason you keep swiping the card that's charging you 24%.
3% back is a one-time credit. 24% APR charges you every month the balance survives. On a carried balance, the interest beats the rewards within weeks.
Add your cards once. Before any purchase, it tells you the cheapest way to pay — rewards and interest, 0% windows and their deadlines, payoff order. Honest math, every time. Join the early list and get the first version free.
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