The credit card optimizer that works only for you.
Is my annual fee worth it?
Statement credits you already paid for with the annual fee. Points sitting on the wrong card. Perks that expire on the 30th. SavvX reads twelve months of your real transactions and tracks all of it to the dollar, then tells you what to do, and when, before it is gone.
And when the cards you hold are the problem, it says so: SavvX runs your spending against hundreds of US cards, shows you what it's really worth, and builds the wallet that would earn you the most: which to keep, which to bench, and which to add.
A household paying with debit leaves $1,128 a year uncollected. If you keep a spreadsheet to stop that, you already know the work is worth doing. This is the spreadsheet that does itself.
30 days free · read-only through Plaid · cancel in two clicks
Your cards (up to 6)
Rough monthly spend
Add at least one card to get a grade.
Daniel's own 12 months
$3,203
Smart Wallet
$2,660
These cards, used right
$1,995
Today
His real numbers, not a projection. The gap column in SavvX Coach.
Two things we will not do
We take no money from card issuers. And we never ask for your bank password.
Most card sites earn a commission when you are approved for a card. One rewards site's own disclosure says compensation "may impact how and where products appear". And the apps that track credits like we do log in to your bank as you, with a stored password, which is why their users re-authenticate several times a month and report credits marked unused after they were redeemed. We connect read-only through Plaid, hold a token and never a credential, and are paid by exactly one party.
Everyone else
Commission, or your password
Comparison sites are paid per approval. Credit trackers store your bank login and sign in as you.
SavvX
Your subscription
No affiliate revenue from card issuers. No stored credentials; read-only Plaid tokens only. No ads. You are the only customer.
Which is why, when a card is costing you money, we say so. And why we can tell you a credit is unused and be right.
Plain answers
Three questions people ask first.
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 claim the credits for me?
No, and we do not pretend to. SavvX finds the credit, tells you the amount, and shows you where to enroll. You enroll yourself, and nobody has your password.
How do you calculate reward value?
Reward value = amount spent x earn rate x point value. Cash back counts at its cash rate. Travel points count at what you will actually get: the cash-out rate until you show us you transfer, then the realistic value of the programs you use. We never quote a headline rate, and we never inflate a point.
Pricing
$6.49 a month. The calculator tells you what it is against.
30 days free. Then $6.49 a month until you cancel, and a full refund if the first month is not worth it.
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.
Find your numberRead-only. We can never move money.