What is your credit card wallet losing?
Paste one month of statement rows. CardMasters categorises the spend, runs it through 59 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 best available. 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 2026-08-01.
Frequently asked questions
Is my statement data safe?
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.
What format should I paste?
Whatever your bank gives you. Each line needs a description and an amount; CSV, TSV and plain copied rows all work. Credits, refunds and payment lines are detected and excluded so they do not count as spending.
How is the loss calculated?
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 is between the best card you already hold and the best card in the catalogue for that basket.
Should I switch to the single best card?
Usually not. Routing each category to its own best card typically beats moving everything to one card, which is why the per-category table is shown. Weigh that against the annual fee of each extra card you would have to hold and pay off in full.
Does CardMasters earn if I switch?
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.