Spreadsheets are dead. WalletFreak replaces manual tracking with an intelligent dashboard designed to squeeze every ounce of value from your annual fees.
Explore Cards →Track benefits monthly, quarterly, semi-annually, or annually. We know Uber Cash is monthly and Hotel Credits are annual—so we built a system that understands the difference.
Don't know which cards to pair? Our AI analyzes your personality to generate a "Perfect Loadout"—a combination of cards that maximize points for your specific goals.
We calculate your 'Real Annual Fee' by subtracting the value of the credits you actually use. See exactly how much profit you're making from each card.
Never let a credit expire again. We send timely notifications before the end of the month, quarter, or year so you can use it or lose it.
Crunch the numbers with our suite of calculators. From 'Worth It' audits to point optimization, we do the math for you.
Forget the fine print. We've indexed the insurance policies, purchase protections, and lounge access rules for over 100 premium cards.
Designed to feel familiar to your banking apps, but built with the efficiency a power-user demands.
CITI STRATA ELITE CARD • ANNUALLY
No, WalletFreak is a manual tracking tool. You simply tell us which cards you have, and we populate the benefits automatically. This ensures maximum security and privacy.
Not directly. We focus on benefit utilization (e.g., "Did I use my monthly Uber credit?"). You manually log usage or mark benefits as complete.
Yes! WalletFreak is currently in open beta and completely free to use. We may introduce premium power-user features in the future.
We support all major US issuers including Chase, American Express, Capital One, Citi, Wells Fargo, Discover, and Bank of America.