Know Which Cards Actually Make You Money
The Only Independent Credit Card Auditor
Users save hundreds per year by making smarter card decisions.
Shows your real rewards vs fees in dollars
Our audit calculates actual net value: what you earned minus what you paid. No assumptions, no marketing promises—just real numbers.
Identifies cards that cost more than they earn
We tell you when a card's annual fee exceeds its value—something competitors won't say because they lose affiliate revenue.
100% unbiased — no issuer commissions or affiliate links
You pay us directly. We work for you, not credit card companies. Our recommendations are based on your actual spending, not commissions.
Secure, read-only analysis — your data stays private
We connect via Plaid, analyze your transactions, then disconnect. We never store credentials. Audits are read-only—we can't move your money.
If your bank isn't supported via Plaid, you can manually upload your statement or enter card details. Manual-entry cards are clearly labeled in your report.
⬆️ Upgrade Opportunities — Increase Your Card Value
Juno identifies cards where upgrading can increase your net rewards or unlock additional benefits. Recommendations are based on your current cards and selected strategy.
Strategy-aware, actionable suggestions — you decide.
What Juno Auditor Offers
Breakage Prevention
Automatically tracks and alerts you before credits expire. Prevents the $12B+ annual breakage problem.
Smart Deep-Links
Juno identifies every enrollment required and provides direct links to the exact bank page, so you can activate them in seconds.
AI-Powered Recommendations
Get honest advice based on your actual usage—including when to downgrade or cancel cards.
Time Tax Elimination
No more manual tracking, spreadsheets, or calendar reminders. AI handles everything automatically.
ROI Is Your Card Worth It?
Calculate true net value of your cards with our Amex, Chase, Citi, and Capital One calculators.
No Affiliate Links
Direct payment model means we work for you—not credit card companies. No commission bias.
Redeem Challenges
AI helps you navigate complex redemption rules and find optimal value for your points.
Point Liquidation Audit
Stop hoarding points that lose value to inflation. Our AI analyzes your balances and flags 'At Risk' points, suggesting the best transfer partners for your specific travel goals.
Monthly Fiduciary Audits
Once a month, Juno acts as your financial auditor. We scan your statement, flag unused credits from the previous month, and generate a 'Recovery Plan' to ensure you extract 100% value before the next billing cycle.
What Makes Juno Different?
1. Proactive Credit Management
Juno monitors your card benefits and sends timely alerts for upcoming expirations or available enrollments. We provide links and guidance so you can take action—without enrolling automatically on your behalf.
You stay in control — Juno only alerts, you decide.
2. Independent & Unbiased Advice
Juno provides 100% independent analysis of your credit cards. We do not earn commissions or incentives from any card issuer.
Our recommendations are purely based on net value to you.
3. Rewards vs Fees Analysis
We calculate the net value of each card in dollars, comparing rewards earned to fees paid, so you can make informed decisions.
4. Keep / Cancel Recommendations
Juno highlights cards that provide the most value and flags those that may cost more than they earn. The final decision is always yours.
5. Secure, Read-Only Access
Your data is read-only and fully secure. We never store credentials for direct card access, and all insights are derived safely from your transactions.
6. Benefit Enrollment Tracking
Juno tracks enrollment opportunities and expiration dates for your card benefits, sending alerts and links so you can act proactively.
100% Independent Recommendations — No Issuer Influence
Juno audits your credit cards without receiving commissions or incentives from any issuer. All recommendations are based solely on your net value, so you can make informed decisions confidently.
Our guarantee: unbiased, transparent, and actionable insights — always.
Ready to Know Your Cards' True Value?
Get an independent audit that shows which cards make you money—and which ones cost you.
Takes ~3 minutes • Dollar-value results • Secure, read-only
Takes ~3 minutes • Dollar-value results • Secure, read-only
Juno vs MaxRewards
MaxRewards is popular, but here's why users are switching to Juno:
No Syncing Hassles
MaxRewards:
Requires constant re-authentication causing fraud alerts and locked accounts.
Juno:
Connects quarterly via Plaid, analyzes, then disconnects. No daily login fatigue.
Strategic vs Tactical
MaxRewards:
Tells you which card to use at Target today.
Juno:
Tells you if your $695 annual fee is worth keeping at all.
Lifetime Option Available
MaxRewards:
$60/year only (subscription forever)
Juno:
$199 lifetime or $49/year (your choice)
Zero Affiliate Bias
MaxRewards:
May earn commissions on card recommendations.
Juno:
Zero commissions. We work for you, not card issuers.
Independent by Design
- • We do not sell credit cards
- • We do not accept issuer commissions
- • Audits are read-only
- • Built by finance and systems professionals
Fiduciary-Style Auditor for Your Wallet
No ads. No affiliate links. We *never* sell your data.
Direct Payment Model: You pay us, not banks. We work for you—not credit card companies. Like a fiduciary auditor, we're ethically committed to act in your best interest, even when that means recommending you downgrade or cancel a card.
Start My Free Audit → Know Your Cards' True ValueTakes ~3 minutes • Dollar-value results • Secure, read-only