For annual-fee card holders
Your card credits and benefits, tracked.
Statement credits are money back on your bill, like a dining credit. See what's left and when each resets. Free by hand; Pro spots supported credits from a linked card.
- Annual fee
- $895
- Statement credits
- 13
- Digital Entertainment Credit$25 a monthResets 1st of each monthEnrollment required$300 a year
- Uber Cash$15 a monthResets 1st of each monthEnrollment required$200 a year
- Walmart+ Credit$12.95 a monthResets 1st of each month$155 a year
- Resy Credit$100 a quarterResets Jan 1 · Apr 1 · Jul 1 · Oct 1Enrollment required$400 a year
- Lululemon Credit$75 a quarterResets Jan 1 · Apr 1 · Jul 1 · Oct 1Enrollment required$300 a year
- Lodging Credit$300 each half-yearResets Jan 1 · Jul 1$600 a year
- Equinox Credit$300 a yearResets January 1Enrollment required
- Airbnb Experiences Credit$250 a yearResets January 1
- CLEAR Plus Credit$219 a yearResets January 1
- Airline Fee Credit$200 a yearResets January 1Enrollment required
- Oura Ring Credit$200 a yearResets January 1Enrollment required
- Uber One Credit$120 a yearResets January 1Enrollment required
- Global Entry / TSA PreCheck credit$120 every 4 yearsResets 4 years from last use
Face value of these credits$3,244 a year
Once every 4 years$120
Annual fee$895
Face value is the most each credit pays in full. “Enrollment required” means the credit is switched on once in the card's app first.
Catalog data as of 2026-10-24 · some card details pending final verification
- Annual fee
- $795
- Statement credits
- 8
- DoorDash monthly credit$35 a monthResets 1st of each monthEnrollment required$420 a year
- Lyft in-app ride credit$10 a monthResets 1st of each month$120 a year
- Peloton membership credit$10 a monthResets 1st of each monthEnrollment required$120 a year
- Sapphire Reserve Exclusive Tables dining credit$150 each half-yearResets Jan 1 · Jul 1$300 a year
- StubHub / viagogo credit$150 each half-yearResets Jan 1 · Jul 1Enrollment required$300 a year
- The Edit hotel credit$500 a yearResets January 1
- $300 annual travel credit$300 a yearResets on your account anniversary
- Global Entry / TSA PreCheck / NEXUS credit$120 every 4 yearsResets 4 years from last use
Face value of these credits$2,060 a year
Once every 4 years$120
Annual fee$795
Face value is the most each credit pays in full. “Enrollment required” means the credit is switched on once in the card's app first.
Catalog data as of 2026-10-26
- Annual fee
- $325
- Statement credits
- 4
- Dining Credit$10 a monthResets 1st of each monthEnrollment required$120 a year
- Uber Cash$10 a monthResets 1st of each monthEnrollment required$120 a year
- Dunkin Credit$7 a monthResets 1st of each monthEnrollment required$84 a year
- Resy Credit$50 each half-yearResets Jan 1 · Jul 1Enrollment required$100 a year
Face value of these credits$424 a year
Annual fee$325
Face value is the most each credit pays in full. “Enrollment required” means the credit is switched on once in the card's app first.
Catalog data as of 2026-07-17
How it works
Your card's credits, without the spreadsheet.
Add your cards
Pick the cards in your wallet. Their credits appear with amounts and reset dates.
Mark what you use
Mark a credit when you use it. MoneyRoom shows what's left and reminds you in the app before it resets.
Check the fee
Before each annual fee, see the credits you used next to it, and whether the card looks worth keeping.
Credits by card
What popular cards carry in statement credits.
Each card's yearly credits and annual fee, at face value. Tap a card to see every credit and when it resets.
- Amex Platinum$3,244 a year in credits13 credits · $895 annual fee+ $120 once every 4 years
- Sapphire Reserve$2,060 a year in credits8 credits · $795 annual fee+ $120 once every 4 years
- Amex Gold$424 a year in credits4 credits · $325 annual fee
- Venture X$300 a year in credits2 credits · $395 annual fee+ $120 once every 4 years+ 10,000 anniversary miles a year
- Hilton Aspire$819 a year in credits3 credits · $550 annual fee
- Sapphire Preferred$220 a year in credits3 credits · $95 annual fee+ $120 once every 4 years
Bank connections
Linked accounts are read-only. MoneyRoom can't move money.
You sign in to your bank through Plaid, not MoneyRoom. MoneyRoom only gets read-only data for the features you turn on, and it does not sell your personal data.
Your bank password never touches our servers.
- You sign in to your bank in Plaid's secure window.
- MoneyRoom can't make payments or transfers.
- Your records are kept to your account, apart from everyone else's.
- You can disconnect your bank any time in Settings.
AI help
Ask about your cards in plain words.
Ask MoneyRoom's own card helper, or connect the AI app you already use.
Ask Juice
Juice is MoneyRoom's AI card helper. Ask which card to use, what credits you have, or what a card earns, and it answers from your saved cards and MoneyRoom's card data.
Every plan, with 10 questions a month on Free.
Use Claude or ChatGPT
Connect your own Claude or ChatGPT so it can read your saved cards, their credits, your best card for a category and this week's deals. You approve it, and you can disconnect anytime in Settings.
Pro plan. Read-only.
You ask Juice
“What credits does my Amex Gold have?”
Juice answers
Your American Express Gold Card has 5 statement credits. Three of them:
- Dining Credit$10 a month$120 a year
- Uber Cash$10 a month$120 a year
- Dunkin Credit$7 a month$84 a year
And 2 more.
Rewards guidance only, not financial advice. Verify terms with the issuer.
Plans
Track free by hand. Link cards to automate.
Tracking your credits is free. Best Card, points and travel tools, and lounges come with Plus; spending from linked cards comes with Pro. Compare plans
Free
$0
Includes unlimited cards, with every credit and fee tracked by hand, in-app reminders, and backup and export.
Plus
$4.99/mo or $48/yr
Everything in Free, plus the smart reminder digest by email, Best Card (which of your cards to use for a purchase), Approval Odds (your chances before you apply), travel tools (points, airline alliances, lounges and transfer partners), your annual-fee history year by year, and Current Offers (Chase's rotating 5% categories).
Pro
$9.99/mo or $96/yr
Everything in Plus, plus read-only card linking through Plaid, so supported credits are spotted for you (some need confirmation, others stay manual), spending by category, Needs Review (charges and credits waiting for your OK) and AI-safe export (a summary of your data you can give an AI assistant).
Before you start
Common questions.
Bank connections, cost, your data, and cancelling.
Is it safe to connect my bank account?
Connecting a bank is an optional Pro feature. You sign in to your bank in Plaid's own window, so your password never touches MoneyRoom's servers. MoneyRoom keeps an encrypted key that can only read the data you allow — it can't move money — and you can disconnect in Settings any time.
What does MoneyRoom actually do?
MoneyRoom tracks the statement credits on your cards — what you've used, what's left, and when each resets — next to each card's annual fee, so you can see whether the fee pays you back. Tracking by hand is free. Pro can spot supported credits from a linked card; some need confirmation and others stay manual.
What does it cost?
Free includes unlimited cards, with every credit and fee tracked by hand, in-app reminders, and backup and export — no bank connection required. Plus adds the smart reminder digest by email, Best Card (which of your cards to use for a purchase), Approval Odds (your chances before you apply), travel tools (points, airline alliances, lounges and transfer partners), your annual-fee history year by year, and Current Offers (Chase's rotating 5% categories). Pro adds read-only card linking through Plaid, so supported credits are spotted for you (some need confirmation, others stay manual), spending by category, Needs Review (charges and credits waiting for your OK) and AI-safe export (a summary of your data you can give an AI assistant). Current prices are 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 (ads that follow you around other sites). The Privacy Policy says both.
How do I cancel?
In Settings, choose Cancel and confirm. If your payments are up to date, your paid plan runs to the end of the period you've already paid for, then moves to Free. If a payment is overdue, it can end sooner. Either way, your cards, credits and history are kept. Leaving Pro locks spending pages and bank features, and your bank connection is disconnected when Pro ends; the history it imported is saved, and your spend milestones still count it. You can reconnect your bank when you come back.
See whether the fee pays you back.
Add your cards in a minute. Every credit, fee, and reset date in one place — free.