01 / Best Card
Which card fits this spending category?
Compare the cards you carry against the purchase category, then see the reason beside the recommendation.
Credit-card credit tracking
Your card credits and benefits,tracked.
Annual-fee cards come with dining, travel, and shopping credits. MoneyRoom tracks your credits — what you've recorded, what's left, when each resets — so you can compare tracked value with the fee. Pro detects supported credits from a linked card; some need confirmation and others stay manual. Tracking by hand is free.
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. Card rankings across twelve spending categories. Points, lounge access, and spending — all beside the cards that earn them.
02 / Benefits
Which credits are still unused?
See each tracked credit's balance, deadline, and recorded usage — with the linked credit posting when available.
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.
Best Card
The right card, with the math shown.
MoneyRoom compares the cards you already carry across twelve spending categories, and shows the earn-rate reasoning behind the pick — not just a verdict.
Benefits & credits
Every credit, with a balance and a deadline.
See each tracked credit, what's left in its current period, and its recorded usage, with linked credit postings when available. Ambiguous 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.
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.
Spending
See where the money went.
Review spending by category and carry the pattern into your next card decision.
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.
Before you enter
Five practical answers.
Is it safe to connect my bank account?
Connecting a bank is optional and runs through Plaid. Your credentials are entered in Plaid's own window and never touch MoneyRoom's servers. MoneyRoom stores an encrypted access token that can only read the account data you authorize — it can't move money — and you can disconnect in Settings at any time.
What does MoneyRoom actually do?
MoneyRoom tracks the statement credits that come with your credit cards — what's used, what's left, and when each resets — next to each card's annual fee, so you can tell whether the fee pays you back. Pro detects supported credits from a linked card; some need confirmation and others stay manual. Tracking by hand is free.
What does it cost?
The free plan includes unlimited manual card and credit tracking, with no bank connection required. Plus adds the planning tools — Best Card, Approval Odds, the points and lounge guides, Current Offers (Chase's 5% calendar), and multi-year history. Pro adds automatic detection of supported credits from a linked card; some need confirmation and others stay manual. Current prices are listed on the Pricing page.
Do you sell my data?
No. MoneyRoom does not sell your personal information and does not share it for cross-context behavioral advertising — the Privacy Policy states both commitments directly.
How do I cancel?
From Settings, open the cancel flow and confirm. If your payments are up to date, your paid plan runs to the end of the period you've already paid for and then moves to Free; if a payment is outstanding, it can end sooner. Either way, your tracked cards and history are not deleted.
See whether the fee pays you back.
Add your cards in a minute. Every credit, fee, and reset date in one place — free.