One report. No subscriptions.
Pay once for a complete, personalized analysis of your spending. No recurring fees, no surprises.
The complete analysis. Every card combination ranked, every transaction mapped, every bonus accounted for.
One-time purchase — review your report anytime. You're only charged if your transactions are pulled and your report is generated successfully.
- Top single-card recommendation
- Best 2 & 3-card portfolio, every combination ranked
- Total rewards over your spending period
- Right card to use for each transaction
- Sign-up bonus optimization
- Annual-fee-adjusted net rewards
- Verified rates from official card terms
- Online, PDF, and email report delivery
- Secure Plaid bank connection
Common questions
What does "one-time purchase" mean?
You pay once and receive a complete report based on your current transaction history. If you want a fresh analysis basaed on newer transactions, you would repurchase.
What if something goes wrong?
You are only charged once your transactions are successfully pulled and your report is successfully generated. If anything fails along the way, you are never charged.
Which bank accounts are supported?
We connect via Plaid, which supports thousands of financial institutions across the US. If your bank is supported by Plaid, it works with Credit Trifecta.
How do I receive my report?
You can view your report right here on the website, download it as a PDF, and have it delivered to your inbox.
Is my transaction data sold?
No. We view your transactions only for running the credit card reward simulation. We never sell your financial data or share your individual transactions with anyone else.
What cards are included in the analysis?
See the full list on our Supported Cards section.