Your cards are
leaking .
Every time you tap the wrong card, you donate cashback, miles and points back to the bank. Find your number in 60 seconds — free, no login.
US · UAE · India · Singapore — based on public reward rates for 750+ cards, grounded from official issuer pages.
Where do you spend?
Sets your currency and card list.
Which cards are in your wallet?
Pick everything you actually carry — the leak comes from using them in the wrong places.
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How do you pay today?
This sets your baseline — we only count leak you'd actually recover.
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Monthly spend
Rough numbers are fine — nudge the sliders.
At your spend, with your cards, you're leaking
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What is a rewards leak?
Most people put 70–90% of their spend on one default card, even when another card in their own wallet earns 3–6× more in that category. The gap between what you earn and what your wallet could earn — annualized — is your rewards leak. This audit measures it from public reward rates, entirely in your browser.
Best credit card for dining, groceries and fuel in the UAE
UAE wallets often mix Skywards cards (strong on Emirates flights and dining) with cashback cards from FAB, ADCB, CBD or HSBC that pay far more on groceries, fuel and utilities. The right split routinely recovers hundreds of dirhams a year.
Best credit card by category in the US
Grocery-heavy months belong on high-earn grocery cards, dining on dining cards, and flat 2% cards should catch everything else. If one card takes all your spend, the difference compounds fast.
India and Singapore
India's co-brand cards (fuel, online, utilities) and Singapore's capped bonus-rate cards reward category discipline more than almost any other market — which also makes the leak from ignoring categories bigger.
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