Credit card rewards tracker
Stop leaving credit card rewards on the table.
Bifold connects to your cards, estimates what you may be missing, and shows the top card for every merchant.
Join users maximizing their rewards
Estimated missed rewards
$127/mo
based on your spending
Estimates only
How it works
Three steps to maximize every dollar
- 01
Connect your cards
Securely link via Plaid. Takes 60 seconds.
- 02
See what you're missing
Bifold calculates missed rewards across every category.
- 03
Use the right card
Instant recommendations at checkout for every merchant.
Features
Everything you need to maximize rewards
Missed rewards calculator
See approximately how much you've left on the table.
Top card at checkout
Instant answer for any merchant, any category.
Bill optimizer
Every recurring charge on your highest-earning card.
Spending insights
30/60/90 day breakdowns with category analysis.
Points expiry alerts
Never let rewards expire without using them.
Spend forecast
Project your rewards for the next 90 days.
Security
Your security is our foundation
Bifold is built with the same security standards as the apps your bank uses.
Bank-level encryption
Your data is encrypted with AES-256-GCM — the same standard used by financial institutions.
Read-only access
Bifold can only read your transactions. We can never move money, make payments, or change anything in your accounts.
We never see your login
Bank connections are handled entirely by Plaid. Your bank username and password go directly to Plaid — Bifold never sees them.
Delete anytime
You can disconnect your bank or delete your entire account and all data at any time from Settings.
FAQ
Common questions
Pricing
Simple, honest pricing
Bifold Pro pays for itself the first month for most people.
Free
For getting started
$0
forever
- See your missed rewards instantly
- 30-day spending breakdown
- Best card for your top category
No credit card required · Cancel anytime
Bifold Pro
Full access
$7
/month
or $60/year — save $24
- Unlimited cards
- Full missed rewards calculator
- Top card at checkout for every merchant
- Bill optimizer + spend forecast
- Points expiry alerts + bonus tracker
7-day money-back guarantee. Cancel anytime.