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The average household misses $1,128 a year in rewards by using the wrong credit card.
SavvX finds your exact number from your real transactions — then closes the gap with an optimized wallet: your SavvX Smart Wallet.
No affiliate links. No card partnerships. We never sell your data and we never advertise to you. Your subscription is our only revenue.
$1,128/yr = average U.S. household spending (BLS 2024) run through published rates of real no- and low-fee cards, vs. paying with debit or cash. Check the math below.
This is the real product on sample data — explore it, no signup
Check the claim yourself
Your number, in 20 seconds.
It starts at the average household's $1,128/yr. Drag the sliders to your spend — real published rates from real no- and low-fee cards, not projections.
Today I mostly pay with…
Your estimated gap
$1,128/yr
30 days free. Then $6.49 a month until you cancel, and a full refund if the first month is not worth it.
No affiliate links. No card partnerships. We never sell your data and we never advertise to you. Your subscription is our only revenue.
Estimate before annual fees, caps, and credits — SavvX nets all of those out against your real transactions, card by card.
How it works
Connect your cards. We do the math.
Step 1
Connect your cards, see the leak
Link your bank read-only through Plaid. SavvX runs 12 months of real transactions through every card you own and shows the gap — category by category, dollar by dollar.
Step 2
Get the fixes, ranked by dollars
Missed activations, wrong-card habits, dead credits you're paying fees for — each one flagged with the exact annual dollar amount it costs you.
Step 3
Get your SavvX Smart Wallet
SavvX builds your optimized wallet — a SavvX Smart Wallet — and only recommends a new card when the full math works: rewards plus credits minus the fee. No affiliate payout behind any recommendation, ever.
Why you can trust this
Every card site gets paid by the banks. SavvX doesn't.
NerdWallet, The Points Guy, Credit Karma — they earn $100–$900 every time you sign up for a card they recommend. Their "best card" is the card that pays them the most. SavvX earns nothing from banks. Your subscription is our only revenue. That's the only way honest math survives a business model.
Real wallets, real findings
Every number on this page comes from an actual analysis.
$5,722/yr
found in the founder's own 5-card wallet
The analysis that started SavvX. $1,422 of it was statement credits he was paying annual fees for and never using.
$9,092/yr
left on the table in a real 8-card portfolio
Unused credits, wrong-card swipes, and one missing card — itemized line by line in the demo.
+$2,000/yr
net value from a single recommendation
Dining and grocery spend moved off a 1x card to the Amex Gold — after subtracting the $325 annual fee.
No projections, no composites. We publish only real numbers from real SavvX analyses — and only real, permissioned user quotes.
$6.49 a month, against a $1,128 average gap.
$6.49/month, and your first month is free. If SavvX closes even the average household's gap, it pays for itself 14 times over.
And when we recommend a card with an annual fee, the fee isn't the cost — the fee minus your rewards, credits, and benefits is. Every recommendation shows that full breakdown. You verify the math yourself.
Get Started2 minutes to connect. Cancel anytime.
Plain answers
Is it safe to connect my bank?
Yes. We use Plaid — the same technology trusted by 150 million consumers and used by Venmo and Robinhood. Your bank login goes directly to Plaid over AES-256 encryption; we never see or store your password, and access is read-only. We cannot move money or modify your accounts.
Does SavvX get paid by card companies?
No. Zero affiliate commissions. Zero referral fees. Zero data sales. Your subscription is our only revenue — ever.
How do you calculate reward value?
Reward Value = Amount Spent × Earn Rate × Point Value. Cash back = 1¢/point. Travel points at realistic redemption values (Amex MR ~2¢, Chase UR ~2¢). We never inflate point values.
How much does it cost?
$6.49/month, and your first month is free. The average household gap is $1,128/yr — and most SavvX analyses find more.
I spent 25 years on Wall Street trading desks. When I finally ran the math on my own five cards, I found a $5,722/yr gap — and every site I tried to fix it with was paid by the cards they pushed. So I built the one that isn't.
Daniel Zraly — Founder, SavvX