CardreapYou pay the fee on purpose.
Collect every dollar it promised.
Cardreap tracks your welcome bonus to the dollar and the day — then audits every monthly, semi-annual, and annual credit across your premium cards, matching each qualifying charge to the statement credit that must follow it. The moment anything fails to post, you know first.
Free to use · Bank-grade encryption · Powered by Plaid · MFA enforced
The $1,500 question: will your bonus actually land?
A premium welcome offer is the single most valuable event in a card's first year — and the easiest to lose. The window runs from your account-open date, refunds claw back your progress, and fees, balance transfers, and cash advances never counted in the first place.
Cardreap isolates your qualifying spend in real time, nets out the exclusions, and projects your finish: "$4,820 of $6,000 — on pace" or "$1,200 behind — ~$95/day secures it." You hear about a gap while there's still time to route spending you'd already planned — never after.
We never suggest manufactured or wasteful spend. Pace, not pressure.
projected finish ........ $6,340
refunds netted out ......... −$310
excluded (fees, BT) ........ −$695
status ............. ON PACE ✓
Your statement, audited like a books-close.
Rewards trackers remind you a credit exists. Cardreap verifies you were paid. Every benefit on your cards is an open ledger entry: the qualifying charge on one side, the issuer's statement credit on the other. Entries only close when both sides match.
Credits reset on your billing cycle, not the calendar — so Cardreap aligns each card's benefits to its real statement dates. Monthly, semi-annual, annual: every cadence, every card, one ledger.
Flagged, documented, and ready to dispute.
When a credit you earned doesn't post within its matching window, Cardreap raises one precise, de-duplicated flag — and assembles the evidence: merchant, date, amount, reference. A recovery summary you can paste straight into your issuer's support chat, written the way their agents need to see it.
No vague "did you remember your credits?" nudges. One flag, one missing dollar amount, one fix.
RECOVERY SUMMARY — $50.00
merchant ......... PREMIUM HOTELS
charged .......... MAY 22, 2026
amount ........... $231.40
expected credit .. $50.00
window elapsed ... 14 DAYS
status ........... NOT POSTED
Copy → paste → recovered. Most issuers resolve a documented missing credit in one contact.
Most apps tell you which card to swipe.
You already know that.
Cardreap is for the cardholder who pays a $400–$895 annual fee deliberately — because the math works when the benefits land. Our job is the part spreadsheets and memory can't do: proving each one actually did.
Engineered for financial data
Connections via Plaid — we never see your bank login. Access tokens encrypted at rest (AES-256), TLS in transit, multi-factor authentication enforced. Privacy Policy →
Numbers you can check
Every flag traces to specific transactions on your statement. Nothing is a black box — audit the auditor whenever you like.
We only win when you do
Free, funded by affiliate commissions when you choose to apply for a card through us. We never sell your data, and your ledger is never influenced by who pays us. Full disclosure →
Know your benefits cold.
How welcome offers really work — and how people miss them
Minimum spend, the bonus window, what counts, and the pacing math that secures the bonus.
Statement creditsA field guide to monthly and annual statement credits
Premium credits reset and expire silently. How to capture each cadence.
ReconciliationBenefit leakage: the money you earned but never received
Why posted ≠ promised, and how double-entry thinking catches the gap.
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