local-only · no bank login

Tell it what's in your wallet once. Then, before you tap to pay, ask: which card wins this purchase?

Your data never leaves this browser — no login, no server, no sync
1

Your wallet

Add the cards you actually carry.

No cards yet
Pick from the catalog, or load a sample wallet to see how it works.
Advanced · import / export (raw JSON)

Fields per card: name (required), base_rate (default 0.01), categories (rate or {rate, cap, spent_toward_cap}), sub {bonus, min_spend, spent, deadline}, carrying_balance. Use this to bulk-import/export your wallet. Data never leaves this page.

2

The purchase

Where are you spending, and how much?

Not listed? Choose a category yourself

If your merchant isn't in the list, pick the closest category. "General" is the safe fallback for anything that doesn't fit a bonus category.