THE JOURNAL
Head-to-head comparisons of every app in this category, and guides to the credits you have already paid for. We make OfferBee, so we say where other apps beat us, and every claim about a competitor carries the date we last checked it.
ALL COMPARISONS RE-VERIFIED SEP 8, 2026
NO BANK LOGIN · TRACKED MANUALLY
Build a ten-minute spreadsheet for statement credits with working reset formulas for all five cadences. Includes columns, a filled example, and where the method breaks.
What Plaid actually does, what read-only access can and cannot see, what we do with the data at OfferBee, and the honest reasons some people should decline.
"Annual" means two different things on the same credit card, and that ambiguity is why people miss statement credits. The six cycle shapes, quoted from issuer terms, and how to hold them.
Six apps with genuinely free tiers, and exactly where each one stops. Plus the honest answer on whether a spreadsheet is enough.
Most credit card apps optimise offers. Only a few actually confirm you used the statement credits you already paid for. Eight apps ranked on automatic detection, reminders, platforms and price.