Product
Track your credits. Then everything else your cards do.
MoneyRoom tracks your statement credits — money back on your card bill for certain perks — and puts best-card picks, points, lounge access and spending in the same place.
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
BenefitsEvery plan
How does MoneyRoom track card benefits?
Credits this period
What you've used, what's left, and the proof, side by side.
How it works
What MoneyRoom uses.
Your cards, each card's credits and earn rates, what you enter, and — if you choose — a read-only bank connection. Every answer shows which of these it came from.
What goes in
Your cardsCard termsYour choicesOptional bank link (read-only)What you get
BenefitsBest CardPoints & TravelLoungesSpendingJuiceClaude & ChatGPTBest CardPlus plan
Choose
Which card should I use for this purchase?
Pick what you're buying, like dinner out. MoneyRoom compares the cards in your wallet and shows which one earns the most there, and why.
The purchase
$84.20
Corner Table
Dining- American Express Gold CardRestaurants4×
- Chase Sapphire ReserveDining3×
- Capital One Venture X RewardsAll other purchases2×
Points & TravelPlus plan
Understand
How many points and miles do I have?
MoneyRoom shows each points and miles balance on its own, with notes on transfer partners where we have checked them (checked July 2026).
Your balances
Plan with the points you already have.
Check each program's terms before you move points. Reward-flight availability is not shown.
LoungesPlus plan
Check
Which lounges can my cards get me into?
Search an airport to see the lounges your cards get you into, with the card that gets you in named next to each one.
Your access
1 matching loungeThrough a card in your wallet
SpendingPro plan
Review
Where does my money go, and which card fits it?
See your spending by category, fix any charge sorted into the wrong one, and use what you spend to pick the right card.
Last 30 days by category
JuiceEvery plan
Ask
Can I just ask about my cards?
Ask Juice, MoneyRoom's AI card helper, which card to use, what credits you have, or what a card earns. It answers from your saved cards and MoneyRoom's card data, and it doesn't search the web. Its answers are rewards guidance, not financial advice.
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.
Claude & ChatGPTPro plan
Connect
Can Claude or ChatGPT see my cards?
Yes, if you connect them. Your own Claude or ChatGPT can then see your saved cards, their credits, your best card for a category and this week's deals. It can only read, never change anything. You approve the connection, and you can disconnect anytime in Settings.
Claude or ChatGPT can read
Your cards, read-only.
- Your saved cardsName, issuer, annual fee and your nickname
- Their creditsEach credit's amount and how often it resets
- Your best card for a categoryYour cards ranked, with earn rates
- This week's dealsUp to 10 headlines
How it works together
How one purchase helps with the next.
- PurchaseNote what you bought.
- Card choiceCompare the cards you carry.
- CreditCount it toward a credit.
- SpendingSee it in your spending.
- Next timeChoose the better card.
Bank connections
What can MoneyRoom see when you link a bank?
Only read-only account data. Linking a bank is optional — you can track your credits by hand. You sign in to your bank through Plaid, so MoneyRoom never gets your bank password and can't make payments.