New · Plaid-connected, iOS

The smarter swipe, every time you pay.

Extra Dollar reads your wallet, watches the merchant, and tells you exactly which card to use — before you tap. So your existing cards finally earn what they were built for.

Download for iOS See how it works
✓
60-second setup
✓
Bank-grade encryption
✓
Free for 1 card
TJ
Trader Joe's · 2 ft away
Best for groceries this week
9:41●●●●● 5G
Wednesday, April 29
Hi Jordan
Right now · Trader Joe's

Use this for groceries

G
Amex
Gold
4×Membership Rewards
$4.20
on a $30 spend
Earned in April
$64.20
Left on the table
$41.30
+
+$4.20 earned
Right card, right swipe
Reads your real cards across
Chase Sapphire Amex Gold Citi Premier Capital One Venture Amex Platinum Wells Fargo Active Cash Discover It Apple Card Chase Sapphire Amex Gold Citi Premier Capital One Venture Amex Platinum Wells Fargo Active Cash Discover It Apple Card
How it works

Connect once.
Decide forever.

Three steps, sixty seconds. After that, every coffee, dinner, and Costco run becomes a cleanly answered question.

01

Connect your bank with Plaid.

We auto-detect every credit card on file — no copying numbers, no spreadsheets. Bank-grade encryption, read-only, you stay in charge.

02

We learn your wallet.

Cashback rates, points multipliers, intro bonuses, annual fees, and all the fine print buried on page 14 of your benefits guide. Indexed, refreshed weekly.

03

Get the answer at the register.

Open the app, ask "which card?" — or get a heads-up the moment you walk into a place we have a recommendation for.

04

See what you would've left behind.

Every month, a clean retrospective: earned vs. missed. The number gets smaller the longer you stick with us. That's the whole point.

C
Chase
via Plaid · Read-only
✓
Connecting to Chase
✓
Verifying access
✓
Fetching accounts
Reading 90 days of transactions
Detected · 4 cards

We found your wallet.

Chase Sapphire Preferred
•••• 4421
✓
Amex Gold
•••• 1009
✓
Citi Premier
•••• 2271
✓
Apple Card
•••• 8801
✓
At Trader Joe's

Use Amex Gold here.

G
Amex
Gold
4×
$4.20
on a $30 spend
vs. Apple Card 2% — you'd miss $3.60
April 2026

Money left on the table.

You missed
$41.30
● Earned $64.20
● Missed $41.30
Top offenders
WF
Whole Foods
−$12.40
UN
United Airlines
−$9.80
$
Why bother

The average household leaves $487 a year on the table.

Wrong card at the gas pump. Generic 1% on a $200 dinner. The dining credit you forgot to use. It adds up — quietly, every month — to a real number you'd notice if it were taken from a paycheck.

See your number
A typical Extra Dollar member, year one
$0.40
recovered, on cards they already had
$0 $487 recovered
Built for the moment of swipe

Three things that change everything.

Most rewards apps tell you what already happened. Extra Dollar gets there first.

Geo-aware nudges

Walk into a Costco, your phone vibrates: "This is a 4× quarter on Chase Freedom." No app open required.

EXTRA DOLLAR now
At Costco — use Chase Freedom for 5% back this quarter.

Honest scorecards

Every Sunday: earned, missed, why. No shame, no streaks. Just a clear answer to "is this working?"

MONTUEWEDTHUFRISATSUN

Wallet that ranks itself

For any category, see your wallet sorted — best card on top, worst at the bottom. No multiplier math in your head.

Amex Gold
4×
Chase Sapphire
3×
Apple Card
2×
Citi Premier
1×
Pricing

Pay $5 to recover hundreds.

Free forever for one card. Premium pays for itself by week two.

Free
$0
forever
Start with one card. See if the answer surprises you.
  • ✓ One credit card
  • ✓ "Which card?" lookup
  • ✓ Monthly insights report
  • ✓ 90 days of transaction history
Most popular
Premium
$4.99
/ month
For wallets with more than one card — where the math actually matters.
  • ✓ Unlimited cards
  • ✓ Geo-aware merchant nudges
  • ✓ Annual fee tracker & break-even
  • ✓ Credit & sign-up bonus optimizer
  • ✓ Lock-screen widget + Siri shortcut
  • ✓ Full transaction history, forever

Stop swiping wrong.
Start swiping smart.

Download for iOS See how it works