01 / Best Card
Which card fits this purchase?
Compare the cards you carry against the purchase category, then see the reason beside the recommendation.
Credit-card credit tracking
Your card credits,tracked.
Annual-fee cards come with dining, travel, and shopping credits. MoneyRoom tracks every one — what you've used, what's left, when it resets — so the fee you paid actually pays you back. Automatic with a linked card, or free by hand.
Annual-fee cards include credits you already paid for — and they're easy to lose track of. MoneyRoom keeps the running tally: used, left, and days until reset.
Every credit runs on its own clock.
A dining credit resets monthly. A travel credit resets yearly. An airline credit needs enrollment first. Each one you forget is money you paid for and didn't get back.
One workspace / five views
Everything your cards owe you, in one place.
Credits with balances and deadlines. The best card for each purchase. Points, lounge access, and spending — all beside the cards that earn them.
02 / Benefits
Which credits are still unused?
See each credit's balance, its deadline, and the charge that used it — in one record per card.
03 / Points
Where do your balances stand?
Keep separate point and mile balances legible without turning them into one invented total.
04 / Lounges
What access applies at this airport?
Check airport and card context together, with the access source kept visible.
05 / Spending
What changed in your spending?
Review category patterns and carry that context into the next card decision.
05 / Best Card
The right card, with the math shown.
MoneyRoom compares the cards you already carry for the purchase in front of you, and shows the earn-rate reasoning behind the pick — not just a verdict.
06 / Benefits & credits
Every credit, with a balance and a deadline.
See each credit, what's left in its current period, and the charge that satisfied it. Ambiguous statement-credit matches wait in a review queue instead of guessing. Optional push reminders in the iOS app can surface supported upcoming expirations and annual-fee events.
07 / Points, travel & lounges
Points and lounges, next to the cards that earn them.
Program balances stay separate — no invented totals. Lounge access is listed per airport with the card that grants it, without award availability or booking promises.
08 / Spending
See where the money went.
Review spending by category and carry the pattern into your next card decision.
09 / Trust boundary
Read-only means a real boundary.
Credentials are entered with Plaid, not MoneyRoom. MoneyRoom receives scoped read-only account data for the features you authorize, and it does not sell your personal data.
01Your bankCredentials stay here
02PlaidSecure connection flow
03MoneyRoomRead-only account data
04Your roomOwner-scoped records
Your bank password never touches our servers.
- Connections use Plaid's secure flow.
- MoneyRoom cannot initiate payments or transfers.
- App records are kept behind owner boundaries.
- You can disconnect a linked institution from Settings.
11 / Before you enter
Four practical answers.
Does MoneyRoom get my bank credentials?
No. Credentials are entered in Plaid's connection flow. Your bank password never touches our servers.
Can I use MoneyRoom manually?
Yes. Free supports unlimited manual card tracking without a bank connection — your whole wallet's credits and fees. Plus adds push reminders (iOS app), annual-fee ROI, and multi-year history.
Where do reminders work?
Optional push reminders are available in the iOS app for supported credit and annual-fee events.
What happens when I cancel a paid plan?
Moving to Free takes effect at the end of the current billing period, with paid access available until then.
Make the fee pay you back.
Add your cards in a minute. Every credit, fee, and reset date in one place — free.