Pick the cards in your wallet, tell us roughly what you spend, and see what you could be leaving on the table. No statements, no sign-up.
🔒 Your numbers never leave your device. Nothing is uploaded, ever.
CLIENT-SIDE · NO ACCOUNT · SAVED ON THIS DEVICE
What could you be missing?
Two quick questions, no statements, no sign-up. This is a rough estimate; the $49 engine reads your real numbers.
1Which cards do you carry?
Tap the ones in your wallet. All 67 in our database are here. Search to find yours fast.
No cards match. Try another issuer or clear the search.
No cards picked yet.
Got it, we’ll add it. On the full site this opens a quick form so we can add your card to the database.
2Roughly how much do you put on each card a year?
Just a ballpark per card. Don’t overthink it.
Pick your cards above first ☝️
3And how much do you spend on each of these?
Roughly, across all your cards combined. This just sets your spending mix; your total from step 2 is what your number is based on.
Based on your cards + spending
$0
Pick your cards and rough in your spend above. Your number lands right here.
Want the rest of it?
Where that money is going, card by card, plus what a smarter lineup would earn you. Enter your email and it opens right here.
No spam, unsubscribe anytime. Your numbers stay on your device.
And with a smarter lineup
$0
more a year with the right cards for your spend, 🔒 your audit names them & nets the fees
This is a rough estimate to show you what’s possible. The $49 engine reads your real statements (just upload your CSVs), tracks every credit you missed, and hands you a filled Excel workbook. No guessing.
Your Feral Account BETA
Sign in with a magic link, no password ever. Your saved audit follows you to any device.
Signed in as
You're in. Now unlock the full engine.
Your free audit above is the teaser. The full Feral Points Engine reads your real year, card by card, and shows you exactly where the money is:
Upload your statement CSVs (Amex, Chase, Citi, Capital One, Bilt) and the engine reads every line for you.
Per-card best-card breakdown on every transaction: see which card you should have used, line by line.
The credits & perks tracker: every card credit, month by month, claimed vs. missed.
Next-year projections: your forecast and the exact leaks costing you points.
One-click Excel export of your real 21-tab Auditor workbook, formulas and all.
Already purchased? Access unlocks on your account within a few minutes. Refresh this page, or email bferal@firstclassferal.com.
Want the full audit?
Create a free account, then unlock the engine for $49: the per-card best-card breakdown, credits & perks tracker, next-year projections, and one-click Excel export of your real 21-tab Auditor workbook.
Free account, then $49 to unlock
Your Wallet BETA
Pick each card you carry and enter the dollar value of the credits you actually used. Issuer, points type, annual fee, and every earn rate fill in automatically from the First Class Feral card database. Nothing here is typed in or guessed.
Sets which cards count as "current" for the year you're auditing. Legacy pre-refresh cards default in for 2025; refreshed cards default in for 2026. Flip any single card if you actually held that exact card that year.
Import Your Statements BETA
Download the year's activity CSV from each card's website, drop the files here, and the engine reads every line for you. Amex, Chase, Citi, Capital One, and Bilt exports all work. Everything is read right here in your browser; nothing is uploaded, ever.
Drop your statement CSVs here
or
Your Transactions BETA
Log real purchases and this checks, line by line, whether you put each one on the highest-value card you actually carry. Pick the category and the card you used; the earn rate, points value, and the best card in your wallet all fill in from the Wallet above and the First Class Feral card database. Nothing here is typed in or guessed.
Year totals
Your Credits & Perks BETA
The one place to track every card credit and perk you actually used, month by month. Pick a card from your Wallet and the credit; its annual max and how often it resets fill in from the First Class Feral card database (override the max if your card's terms differ). Enter what you captured each month and this shows exactly what you claimed, what you missed, and how close you got. Nothing here is typed in or guessed.
Year totals
Your Cash & Bills BETA
Money that went out off-card: checks, Zelle/ACH, debit, cash, autopay bills. This is tracked, never graded: the spend already happened off a rewards card, so there's nothing to fix. For each line, pick the category and this shows the highest-value card in your Wallet it could have earned on, and what those points would have been worth. The best card, its earn rate, and ¢/pt all come from your Wallet above and the First Class Feral card database. Nothing here is typed in or guessed.
Year totals
Programs & Point Values BETA
The ¢-per-point value the whole engine uses to price your points. Every program starts at the First Class Feral database default; set your own value for any program if you value it differently, and your Wallet, Transactions, and Cash & Bills all re-price instantly. Leave a program blank to keep its default. Overrides save on this device only.
Program
Default
Your ¢/pt
Effective
Your Projections BETA
Nothing to type here. Everything below is computed straight from your Wallet, Transactions, Credits & Perks, and Cash & Bills above: your next-year forecast, the exact leaks costing you points, a screenshot-ready cheat sheet, and your targets. Edit anything in the panels above and this updates itself.
Want a second set of eyes? A First Class Feral consult reads your whole year and hands you the plan: firstclassferal.com
Your Year, Rolled Up BETA
Everything below rolls up live from the intake panels above: your Wallet, Transactions, Credits & Perks, and Cash & Bills. This is what fills the free report automatically; there's nothing to type.
Take It To Excel BETA
Download everything you entered above as the full 21-tab First Class Feral Auditor workbook: your cards, transactions, credits & perks, and cash & bills dropped straight into the real Excel template, with every live formula, dropdown, and dashboard intact. The file is built right here in your browser; nothing is sent to a server.
Your Year, By the Numbers
Pull these straight from your statements, or estimate. Everything recalculates live.
Category
Spend ($)
$ missed
💡 Your entries auto-save in this browser. Use "Save my audit" to keep a copy or move to another device. That file stays with you.
Spend by Category
$ Left on the Table
Wrong card + paid cash + unclaimed credits.
Your "Fix Your Top 3"
Auto-generated from your biggest leaks. The fastest money back.
Want next year to look different?
Get the free Points Starter Kit plus the feral fixes, straight to your inbox.
Fix it for real
This free report estimates. The Feral Points Engine reads your real statements line by line and hands you the whole audit, done.
The flagship
The Feral Points Engine
Upload your statement CSVs and the engine does the audit for you: every transaction graded against the best card in your wallet, every credit tracked, next-year projections, and one-click export of your full 21-tab Auditor workbook.
First Class Feral
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