CardreapMake your annual fee pay for itself.
A premium card is only worth its fee if you actually use the benefits. Cardreap tracks your welcome bonus and every credit your cards owe you — and tells you the moment one doesn't show up.
Free to use · Bank-grade encryption · Powered by Plaid · MFA enforced
Every kind of benefit your cards promise.
From the one-time welcome bonus to the credits that quietly reset every month, Cardreap watches them all — each on the exact schedule it follows.
Welcome bonus
The big sign-up bonus — often worth $1,500+ — tracked to the dollar and the day.
Monthly credits
Rideshare, dining, streaming, food delivery, and wireless — small credits that vanish if you don't use them.
Twice-a-year credits
Retail credits (like Saks), fitness memberships, and travel credits split into two halves.
Annual credits
Hotel and airline-fee credits, travel credits, CLEAR Plus, and Global Entry / TSA PreCheck.
The $1,500 question: will your bonus actually land?
A premium welcome offer is the single most valuable thing about a card's first year — and the easiest to lose. The clock starts the day your account opens, refunds set your progress back, and fees, balance transfers, and cash advances never counted in the first place.
Cardreap tracks the spending that actually counts, subtracts the spending that doesn't, and projects where you'll land: "$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
minus refunds ............ −$310
minus what doesn't count . −$695
status ................... ON PACE ✓
We make sure every credit you earned actually shows up.
Most apps just remind you a credit exists. Cardreap confirms you were actually paid. We pair every benefit with the purchase that's supposed to trigger it on one side and the credit your issuer owes you on the other — and we don't call it done until that credit lands.
Credits reset on your billing cycle, not the calendar — so Cardreap lines up each card's benefits to its real statement dates. Monthly, twice-a-year, annual: every card, all in one place.
Flagged, documented, and ready to dispute.
When a credit you earned doesn't show up within its window, Cardreap gives you one clear heads-up — and gathers the evidence: merchant, date, amount, reference. A 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 alert, one missing amount, one fix.
MISSING CREDIT — $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 alert traces back to specific transactions on your statement. Nothing is a black box — check our math 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 results are 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 every one.
Missing creditsBenefit leakage: the money you earned but never received
Why "I earned it" and "I got it" aren't the same thing — and how to catch the difference.
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