CardreapWe think you should keep the benefits you already earned.
Premium credit cards are sold on their benefits: monthly dining credits, travel credits, statement credits, and five-figure welcome bonuses. But those benefits are designed to be easy to forget. A credit you didn't use resets silently. A statement credit that never posts is invisible unless you check your statement line by line. A welcome bonus worth $1,500 quietly expires if you miss the spending deadline by a day.
All of this adds up to a gap between the benefits you were promised and the benefits you actually get. It's worth billions to the card companies, and it's working against you. We built Cardreap to flip it.
What Cardreap does differently
Most rewards apps stop at sorting your transactions into categories. Cardreap goes further: for every benefit, it pairs the purchase that's supposed to trigger a credit with the credit that should follow — and makes sure that credit actually lands. If it doesn't show up within the expected window, we flag it as money you can get back, with the exact details you need to claim it.
For welcome offers, we go a step further and look ahead: we track the spending that counts toward your minimum, and tell you exactly what pace secures the bonus — using spending you've already planned, never wasteful spend.
How we stay honest
Cardreap is free. We make money through affiliate commissions when you choose to apply for a card through us and get approved. We're upfront that this is the model — and we've designed the product so it only works if we're genuinely useful. Every recommendation is backed by your own transaction data, and we never sell that data. You can read exactly how this works in our Advertiser & Affiliate Disclosure.
Who's behind Cardreap
Cardreap is a product of Soboan LLC, a company based in Redmond, Washington. We're a small, independent team of builders who got tired of checking all of this by hand in spreadsheets — so we automated it. We take data security seriously: financial connections are handled through Plaid, sensitive credentials are encrypted, and we enforce multi-factor authentication.
Have a question, or want to tell us a benefit we should be tracking? Get in touch — we read everything.