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MoneyRoomStart free

Product

Track your credits. Then everything else your cards do.

MoneyRoom keeps your tracked statement credits together — and keeps best-card picks, points, lounge access, and spending in the same place.

Start freeSee the model

The wallet model

What MoneyRoom works from.

Your cards, each card's published credits and earn rates, your entries, and — if you choose — a read-only bank connection. You can always see which of these produced an answer.

01 / Best Card

Choose

Which card should I use for this purchase?

MoneyRoom compares the cards already in your wallet for a purchase category, then shows why one card ranks ahead for that decision.

Purchase context

$84.20

Corner Table

Dining
Ranks first for this purchase4× RestaurantsRestaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X
  1. 01American Express Gold CardRestaurants4×
  2. 02Chase Sapphire ReserveDining3×
  3. 03Capital One Venture X RewardsAll other purchases2×
An illustrative dining purchase compared against three real cards and their verified earn-rate facts.

02 / Benefits

Track

How does MoneyRoom track card benefits?

Each benefit keeps its used and remaining value, reset period, manual entries, connected evidence, and history in one legible record.

Benefit periods

Used value, remaining value, and supporting evidence stay together.

Dining creditMonthly · American Express Gold Card
$20 used$0 remaining
Travel creditAnnual · Chase Sapphire Reserve
$182 used$118 remaining
Hotel creditSemiannual · Capital One Venture X Rewards
$40 used$60 remaining
Matched statement credit$20.00 dining credit · American Express Gold CardApplied
Statement-credit Needs ReviewChoose which benefit this posted credit belongs to.Your choice
An illustrative benefit-period ledger with used and remaining value plus separate matched and review evidence.

03 / Points & Travel

Understand

How are points and miles shown?

MoneyRoom keeps point and mile balances distinct, with transfer context available where the product has verified it.

Balances in one field

Plan with the balances you already hold.

0184,250Membership Rewards
0247,900Ultimate Rewards
0331,600Capital One miles
Transfer context

Compare program terms before moving points. No award availability shown.

Three illustrative rewards balances arranged around a transfer-context route with no award availability claim.

04 / Lounges

Check

Which lounges can my cards unlock?

Search an airport to inspect matching lounge access while the source card remains visible beside each result.

AirportPHXTerminal 4

Wallet access context

2 matching lounges

Access result linked to the card in this wallet

Source cardChase Sapphire Reserve
An illustrative PHX Terminal 4 lounge-access result linked to its source card.

05 / Spending

Review

How does spending inform the next card choice?

MoneyRoom lets you review categories and bank transactions, correct uncertain categorization, and carry the pattern back into card choice.

Thirty-day category signal

Dining$640
Travel$420
Groceries$310
Other$180
Recent activityReview state
May 18Corner TableDining$84.20Reviewed
May 16Desert FuelTransportation$42.16Bank category Needs Review
May 14Annual travel creditStatement credit+$118.00Statement-credit Needs Review
Illustrative category totals and transactions with bank-category review kept separate from statement-credit review.

How it works together

How can one purchase inform the next?

  1. 01PurchaseName the category.
  2. 02Card choiceCompare the wallet.
  3. 03BenefitTrack the period.
  4. 04Spending recordReview the context.
  5. 05Next decisionUse it on the next purchase.

The boundary matters

What does a connected MoneyRoom account access?

A connection provides read-only account context. MoneyRoom can also be used manually; optional bank connections use Plaid's flow, and MoneyRoom does not receive your bank credentials or initiate payments.

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