Bank Statement Card Optimizer
Upload up to 5 bank statements (PDF or CSV) and estimate which credit card combination could have earned more on your real spending. All parsing happens in your browser — files are never uploaded.
Local-only: Your statements are parsed entirely in this browser tab. Nothing is uploaded, stored, or sent to a server.
Drag & drop your PDF or CSV statements here
Up to 5 files, 20 MB each
Frequently asked questions
- Do my bank statements ever leave my computer?
- No. All parsing — PDF text extraction and CSV reading — runs in this browser tab using local JavaScript. We do not upload, store, or send your transaction data anywhere. You can verify this by inspecting your browser's network tab while running the tool.
- Which file formats are supported?
- PDF and CSV exports from any U.S. bank or credit card issuer. CSV results are usually more accurate because the column headers are explicit; PDF parsing is best-effort and may miss rows on heavily formatted statements.
- Why is my Bilt rent / housing spend ignored?
- Housing is excluded from totals by default because most cards do not earn rewards on rent at all. Bilt 2.0 (2026) splits cardholders into Flexible-Bilt-Cash vs Housing-only modes, with rent rewards ranging from 0X to 1.25X depending on which mode and how much non-rent everyday spend posts in the same cycle. That logic is too complex to auto-model from a single statement, so this tool does not project rent earnings. You can toggle 'Include housing' in the results to add rent to the totals, but no card will be assigned to it. Verify any rent-reward expectation directly with Bilt's current program overview.
- Are the projected savings guaranteed?
- No. This is an estimate based on public card terms and conservative point valuations as of the listed query date. Card issuers change bonus categories, caps, and annual fees frequently. Approval, welcome bonuses, and exclusive offers are not modeled. This is not financial advice.
- Why are 'cash value' and 'travel value' different?
- Points programs typically pay less when redeemed for cash than for travel. The headline number uses the conservative cash-redemption floor. The 'travel value' toggle uses higher per-point estimates that assume you transfer to airline/hotel partners or book through the issuer's travel portal — actual value depends on availability and your travel patterns.
Card terms and point valuations are seed data queried 2026-05-24 from issuer pages and Frequent Miler RRVs. Verify with current issuer terms before applying. · Updated 2026-05-24