Know what your
card is actually worth— and which card beats it.

Zurp simulates your real spending across 30 top cards — factoring in points, perks, and fees — to find your best fit.

zurp your card→

Free to use. Secure, read-only connection via Plaid.

Chase
Sapphire Reserve
American Express
Platinum Card
Citi
Strata Elite
Capital One
Venture X
Chase
Sapphire Preferred
Robinhood
Gold Card
American Express
Gold Card
Chase
Freedom Flex
Bilt
Palladium Card
Capital One
Venture
Chase
Freedom Unlimited
American Express
Blue Cash Preferred
Citi
Strata Premier
Chase
Sapphire Reserve
American Express
Platinum Card
Citi
Strata Elite
Capital One
Venture X
Chase
Sapphire Preferred
Robinhood
Gold Card
American Express
Gold Card
Chase
Freedom Flex
Bilt
Palladium Card
Capital One
Venture
Chase
Freedom Unlimited
American Express
Blue Cash Preferred
Citi
Strata Premier
Wells Fargo
Autograph Journey
Citi
Double Cash
American Express
Blue Cash Everyday
US Bank
Altitude Connect
Wells Fargo
Active Cash
Discover
it Cash Back
Citi
Custom Cash
Wells Fargo
Autograph Journey
Citi
Double Cash
American Express
Blue Cash Everyday
US Bank
Altitude Connect
Wells Fargo
Active Cash
Discover
it Cash Back
Citi
Custom Cash

Compare

See what you'd gain — or lose —on another card.

Based on your real spending, zurp calculates the exact dollar difference if you switched cards. No guesswork, no affiliate bias.

The Robinhood Gold Card could save you $0/yr

Based on your $47,411 in spending over the last 12 months
1
Robinhood Gold CardBest fit
Points $1,273
Points $1,273Benefits $0Fee $0
2
Amex Gold
Points $656
~$304
-$325
Points $656Benefits ~$304Fee -$325
3
Sapphire ReserveYour card
Points $838
$475
-$795
Points $838Benefits $475Fee -$795
Points earned+Benefits used−Annual fee=Net value
See all 30 cards

How it works

Connect once. We do the math.

Read-only access to your transactions. We simulate every card, track every benefit, and surface what you're missing.

01
→
Read-only via Plaid
Link your card
Secure, read-only access to your transactions. We never see your card number, login, or balance.
02
1
+$1,273
2
+$635
3
+$518
4
+$412
Your spending × 30 cards30 simulated
We simulate 30 cards
Every transaction replayed across 30 top cards — factoring in points, benefits, and fees — ranked by net value.
03
$465 captured
of $1,760
Hotel Credit
$200/$200
Uber Cash
$15/$15
We track your benefits
Every credit, perk, and multiplier mapped against your real transactions. See what you've captured and what's expiring soon.

Track

You're paying for benefits you've never touched

Zurp maps your transactions against your card's full benefit catalog — credits, perks, multipliers — and shows exactly what you've captured and what you're missing.

Your card
Amex Platinum
Mar 15, 2025 – Mar 14, 2026 | $695 fee renews Mar 15, 2026
POINTS EARNED
$412
BENEFITS USED
$465
of $1,760
EXPIRING SOON
$39
within 12 days
ANNUAL2
Airline Fee Credit
Resets on anniversary
$200/$200
Hotel Credit
Resets on anniversary
$200/$200
QUARTERLY2
Resy Credit
$35 remaining · resets Apr 1
$65/$100
Saks Credit
Resets Jul 1
$50/$50
MONTHLY3
Uber Cash
$0 remaining
$15/$15
Digital Entertainment
$4 remaining · 12 days left
$21/$25
Walmart+
$12.95/mo · never used
$0/$12.95
See all 21 benefits →

Insights

What your card isn't telling you

Personalized recommendations from your spending data. No generic tips.

Subscription swap
You're paying $15.99/mo for Uber Eats but your card includes $25/mo in DoorDash credits. Switch your deliveries to DoorDash to save $192/yr.
$192per year by switching
Chase Sapphire Reserve · DoorDash credit
Credit expiring
Your $50 Saks credit resets in 4 days and you haven't used any of it. That's $50 gone — even a small purchase counts.
$50expiring in 4 days
Amex Platinum · Semi-annual credit
Earning opportunity
You spent $4,200 on dining this year. The Amex Gold earns 4x vs your 1x — that's ~$126 more in points value.
$126more per year on dining
Amex Platinum · Cross-card comparison
Booking redirect
You booked $1,800 in hotels direct this year. Book through Chase Travel Portal for 10x instead of 3x — that's ~$126 more in points.
$126more per year via portal
Chase Sapphire Reserve · Travel portal
Bank-level encryption
Read-only via Plaid
No card numbers stored
SOC 2 compliant

See what your card is really worth

Two minutes to connect. Free to use.

zurp your card
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