Everything you need to actually use your rewards.
Eight cards. Forty perks. Twelve months of monthly credits. Plus offers, sign-up bonus deadlines, and a Chrome extension that keeps your balances current without copy-paste.
Multi-card dashboard
One view of points, cash back, and dollar-equivalent value across every card you own. Totals are derived on read, so they never drift out of sync with your transactions.
Sign-up bonus tracker
Per-card spend toward the bonus, auto-flipped to completed when you cross the threshold, with the deadline always visible.
Perks and credits
Monthly, quarterly, semi-annual, and annual benefits auto-expand into dated rows so you don't miss the Uber Cash or hotel credit.
Earn and redeem ledger
Every transaction tags the card it landed on. Editing a past entry reconciles the balance both ways.
Annual fee warnings
The dashboard flags upcoming anniversaries and tells you how much value you've captured against the fee.
Sankey flow chart
See where spend turns into points, where points turn into redemptions, and where credits go unused.
CSV import and export
Paste a spreadsheet to seed your portfolio, and export the same shape back out for a full round-trip backup.
Offers (Amex / Chase / BoA)
Every issuer hides merchant deals behind a different tab. Fins pulls them into one list, filterable by card and merchant, with an “Expiring ≤14d” pill so the ones about to disappear surface themselves. Mark one used and Fins reconciles it against your transactions.
Chrome extension (Fins Sync)
A companion Manifest V3 extension. Log into your issuer portal once, pick the points number, and Fins remembers the selector. Auto-detect mode syncs silently the next time you visit Chase, Amex, Capital One, Citi, Discover, and a few more.
Auto year rollover
The first time you open the app in a new year, your recurring perk templates roll forward. Idempotent and gated per browser, so it only fires once per (user, year).
Light and dark
Respects your OS preference and paints the right palette before first paint, so the page never flashes the wrong colors.
Built on real engineering choices
Fins is a small full-stack app, not a marketing skin over a SaaS. A few decisions worth calling out.
Derived totals, not cached ones
An earlier prototype stored card.totalPoints and updated it on every transaction. It drifted within a week. Today every dashboard total is computed at read time, and that bug class is gone.
Cascade deletes server-side
Deleting a card removes its transactions in the same handler call. No orphaned rows, no client-side coordination.
Reconciling edits
Editing a past transaction reverses the old balance delta before applying the new one, and rejects the edit if it would push the card balance negative.
See what your cards are actually doing for you.
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