"Finally something where I can see all my card rewards in one place. I caught $400 in expiring credits the first week."Anika R., 7 cards
Credit card rewards, reimagined
Make every swipe count.
Fins pulls every credit card you own into one clean view. Points, cash back, sign-up bonuses, monthly credits, merchant offers — all in one place, before any of it expires.
7-day trial, no card on file. Prefer to wait for a free tier? Hop on the waitlist.
Why I built it
Every spreadsheet I tried fell apart inside two months.
Four cards in, with different earn rates, sign-up bonus deadlines, and recurring credits, a flat sheet stops telling you anything useful. So I built Fins. It keeps your cards, transactions, perks, and offers together, then surfaces the parts that matter: what each balance is worth in dollars, how close you are to the next bonus, and how much of your annual credits you've already captured this year.
Start tracking your cardsWhat you can do with it
Track, optimize, plan, and catch every offer.
Add your cards, log a few swipes, and Fins handles the math. That's the whole loop.
Track
Know where your rewards stand.
Net rewards, cash back, and points value across every card. Totals are derived at read time, so they never drift out of sync with the underlying transactions.
- Totals in USD across every card
- Trends by week, month, or year
- Filtered by issuer, type, or category
Optimize
Pick the right card for the swipe.
Compare cards side by side by USD value, points type, issuer, and annual fee. Spot the ones that aren't pulling their weight before the renewal posts.
- Fee-aware ROI per card
- Category-by-category comparison
- Catches underperformers before renewal day
Perks
Catch every credit before it expires.
Monthly Uber Cash. Walmart+. Hotel credits. Saks credits. Finstracker keeps a deadline-aware checklist so you stop leaving them on the table at the end of the month.
- Auto-resets for monthly, quarterly, and annual credits
- Countdowns to the next deadline
- Reminders before each credit expires
Plan
Decide before the renewal hits.
Sign-up bonus countdowns, anniversary credits, and an annual-fee breakdown, so you know which cards to keep, downgrade, or cancel before the fee posts.
- Sign-up bonus progress with the spend you still need
- Annual-fee calendar across every card
- Keep, downgrade, or cancel, with the math in front of you
Offers
Stop forgetting about Amex Offers.
Every issuer hides merchant deals behind a different tab. Fins pulls Amex Offers, Chase Offers, and BoA Deals into one list, sorted by what expires first.
- Filter by card or search by merchant in two clicks
- An "expiring in 14 days" pill surfaces the ones about to disappear
- Mark an offer used and Fins reconciles it against your transactions
Built around the actual workflow
The details that actually matter.
These are the parts I kept missing every time I tried to keep this in a spreadsheet.
All your cards
Every card, every issuer.
A preset library of 25+ cards from Chase, Amex, Citi, Capital One, Discover, Wells Fargo, Bank of America, and U.S. Bank. Picking a preset fills in the annual fee and seeds the anniversary date. Add a custom card for anything else.
Transactions
Log a swipe, see the value.
Log an earn or a redeem and Finstracker applies the card's category multiplier, updates the balance, and reconciles your sign-up bonus progress in the same call. Edit a past transaction and the balance reverses the old delta and applies the new one.
Export & sync
Your data stays yours.
One-click CSV export of every card and transaction. Import the same shape back in any time. No lock-in, no resold data. If you want to walk away with your rewards in a spreadsheet, you can.
Chrome extension · Fins Sync
One click and your point balance is current.
Fins ships with a Chrome extension that logs into your issuer portal alongside you. When the points page loads, it reads the number off the page and posts the delta back to your tracker.
- Works with Chase, Amex, Capital One, Citi, Discover, and more
- Pick the points number once per card and Fins remembers the selector
- Auto-detect mode syncs silently the next time you visit the portal
From the beta
What early users have said.
A few notes from people running their portfolios on it.
"The perk reminders are the part I needed most. Walmart+, Uber Cash, Saks. I used to leave all of it on the table."Marcus T., 4 cards
"The ROI view talked me out of renewing two cards I didn't need. The annual fee I saved paid for the next five years of whatever this turns into."Priya S., 9 cards
"Fast, no weird upsells, no banner asking me to upgrade. It's just my rewards, finally organized."Devon L., 3 cards
"Sign-up bonus tracking with a real countdown is something I should have built for myself years ago."Jess W., 6 cards
"My wife and I both use it. Annual-fee renewals don't surprise us anymore."Brendan K., 5 cards
Pricing
Free for 7 days. Then $4/mo.
Try every feature free for a week — no credit card required.
Finstracker · Free trial
Everything, unlocked.
$0 for 7 days, then $4/mo or $36/yr
- Unlimited cards and transactions
- Every preset perk, with auto-resets
- Charts, ROI, sign-up bonus tracking
- CSV import and export