Paste one month of statement rows. CardMasters categorises the spend, runs it through 96 issuer-verified cards with their real caps and exclusions, nets off annual fees, and shows the gap between what your current wallet earns and the highest modelled catalogue value before eligibility. It runs in your browser — nothing is uploaded or stored.
Nothing parsed yet. Each row needs a description and an amount; credits, refunds and payment lines are ignored.
Everything here runs in your browser. Nothing you paste is uploaded, logged or stored, and no card number is needed — paste only description and amount columns. Rewards use conservative redemption values and the annual fee is netted off. Catalogue release 2026-08-25.
Yes. The analysis runs entirely in your browser using JavaScript already loaded on the page. Nothing you paste is sent to CardMasters or any third party, nothing is stored, and closing the tab discards it. Paste only description and amount columns — a card number is never needed and should never be pasted anywhere.
Export CSV, TSV or text from your bank, then import the file or paste its rows. Each line needs a description and an amount. Credits, refunds and payment lines are detected and excluded so they do not count as spending. PDF files are not accepted; this avoids uploading a sensitive statement to a document-processing service.
Each transaction is categorised by merchant keyword, the monthly totals per category are run through each card's published earn rate with its caps, exclusions and surcharges applied, reward currency is valued conservatively, and the annual fee — waived if your spend clears the threshold — is subtracted. The gap shown compares the best card you already hold with the highest modelled catalogue value for that basket. It is before eligibility and is not an approval recommendation.
Not from this comparison alone. First check eligibility and issuer terms. Routing each category to its highest-value eligible card can beat moving everything to one card, but weigh that against approval uncertainty and the annual fee of every extra card you would have to hold and pay off in full.
Possibly, if you later apply through a tracked link — but commission is never an input to the calculation or the ranking. A card with no monetised link can and does come first.