Powered by Juno AI
Our AI analyzes your actual spending to verify if your current setup is profitable or if you are losing money.
Benefit Capture
Stop donating money to the bank. We flag every 'Use or Lose' credit—Uber Cash, Airline Fees, Dining perks—before they expire, so you never miss a deadline.
- ✓ Unused credit identification
- ✓ Utilization Roadmap
- ✓ Direct activation links
Fee Efficiency Audit
We analyze your actual spending vs. annual fees. If a card isn't paying you back, we put it on the "Kill List" with downgrade-first recommendations to protect your credit score—even if that means less business for us.
- ✓ Net Value Calculation
- ✓ Credit-Safe "Downgrade" Logic
- ✓ Credit Score Impact Analysis
- ✓ Retention Offer Scripts Step-by-step scripts to negotiate lower fees or get retention bonuses before canceling
Optimization Engine
We simulate your spending against the top 50 cards based on YOUR data—not our commissions. Example: You spent $5,000 on dining with Card A (1x = $50). Card B would have earned 4x = $200. You left $150 on the table.
Unlike "free" apps that recommend cards they get paid for, we show you the card that earns YOU the most—even if it's one you already have.
- ✓ Historical Spend Simulation
- ✓ Exact Dollar Gap Analysis
- ✓ Math-Based Recommendations (Zero Bias)
Household Optimization
For families managing multiple cards. Our algorithm simulates which card combinations work best together based on your household's actual spending patterns.
- ✓ Family Spending Analysis
- ✓ Multi-Card Combinations
- ✓ Duplicate Coverage Detection
Takes ~3 minutes • Dollar-value results • Secure, read-only