See what your cards should be earning you, and what you're leaving on the table.
🔒 Your numbers never leave your device. Nothing is uploaded, ever.
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?
Search and add the cards in your wallet. All 67 in our database are here.
No cards match. Try another issuer or clear the search.
No cards added yet. Search above to add yours.
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 ☝️
2Roughly how much do you spend a year total?
Everything you’d put on a card if you had one, groceries, gas, bills, all of it.
Yearly spend
$
3Now split that spend into buckets
Take the yearly total you just entered and divide it across these five. Ballpark is fine.
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. The $49 engine reads your real statements, tracks every credit you missed, and hands you a filled Excel workbook.
Your Feral Account BETA
Bought the engine, or been given access? Sign in to unlock it. Use your password if you have set one, or have a one-tap link emailed instead. Your audit saves on this device either way.
Forgot your password? Get a one-tap link emailed instead, sign in with it, then set a new password from your account. Your access is never at risk.
Signed in as
Set a password and you will never need the sign-in email again.
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.
Add Your Cards BETA
Pick each card you carry. Issuer, points type, fees, and earn rates fill in automatically.
The year you're auditing.
Import Your Statements BETA
Drop your statements below. CSVs work best; PDFs take a little longer to read. Everything stays in your browser.
Drop your statement CSVs (or PDFs) here
or
Your Transactions BETA
Every purchase, graded against the best card you actually carry. Fix a category or card inline. Offer credits switch off the best-card check automatically.
Date
Merchant
Category
Amount
Card used
Earned $
Best card
Missed $
Status
Offer $
Perk tag
No transactions yet. Drop your statements in the panel above, or add one by hand.
Year totals
Your Credits & Perks BETA
Every card credit you actually used, month by month. Pick a card and the credit; the max and reset schedule fill in automatically.
Year totals
Your Cash & Bills BETA
Money that went out off-card: checks, Zelle, debit, autopay. Log it and see which card it should have gone on, and what those points were worth.
Year totals
Programs & Point Values BETA
The ¢-per-point values the engine uses. Set your own for any program; leave blank to keep the default.
Program
Default
Your ¢/pt
Effective
Your Projections BETA
Nothing to type. Your forecast, leaks, and cheat sheet, computed from the panels above. 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
Rolls up live from the panels above. Nothing to type.
Take It To Excel BETA
Download your full 21-tab Auditor workbook, live formulas and all. Built right in your browser.
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.
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.
Your login gets created after checkout. Access follows your email.
A 12-month card roadmap: which cards to get, in what order, and when to apply, with the bank approval rules baked in, so the points exist before the trips do.
First Class Feral
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