How transaction analysis works at SavvX
After signup you connect read-only bank and credit card accounts through Plaid. SavvX pulls the last 12 months of transactions, classifies each one into a reward category (dining, groceries, gas, travel, streaming, etc.), and aggregates the totals.
For every card in the catalog, SavvX then computes your annual reward earnings — at that card’s actual earn rates — against your spend buckets. The result is a number, in dollars per year, that says how much each card would earn you. The cards are ranked. The optimizer searches for the best combination of 1 to 8 cards that maximize your total annual rewards minus annual fees.
What you see
- The gap. The headline number — dollars per year — between what your current wallet earns and what an optimal wallet would earn. This is the number that explains why anyone should care.
- The recommended wallet. Which cards, in which categories, and the year-1 vs ongoing value for each.
- The reasoning. Why each recommended card is in the wallet — which categories of your spend it covers and at what rate.
- The credits and benefits you’re missing. Cards you already own often have statement credits or perks you’re not using. SavvX surfaces those before recommending you switch.
Why trust the result
Trust in a recommendation tool is fundamentally an incentive question. A subscription model points the incentive at user value: if recommendations are wrong, users churn, the company loses money. An affiliate model points the incentive at conversions: if a high-commission card gets the user approved, the site earns money even if the card was wrong for them.
SavvX is structured around the first incentive only. The covenant — no affiliate links, no card partnerships, no ads, no data sales — is rendered in the footer of every page and enforced by the business model.
What it doesn’t do
- It does not move money. Plaid access is read-only.
- It does not auto-apply for cards on your behalf. You apply yourself, on the issuer’s site, with no affiliate redirect.
- It does not share your transaction data with third parties. There is no data sale and no advertiser sharing.
Quick start
- Sign up at savvx.com.
- Connect your card and bank accounts through Plaid (takes about a minute per institution).
- Wait for the analysis to run — typically under a minute once the transaction history loads.
- Review the gap, the recommended wallet, and the per-card reasoning.