Your rewards, baked to perfection.
A personal rewards wealth manager — built around your spend, your cards, your goals.
Baked Insights
Rewards Rate
0.5¢
per $Preheating
Wallet Efficiency
0%
72,080 / 92,410 pts
Current Annual Projection
Based on your last quarter's transactions
136,180
Points
$3,856
Est. value
$1,770
Annual fees
Available Bonuses
Use these before they reset
Marriott Bonvoy Brilliant American Express Card
1
Sapphire Reserve
6
Gold Card
5Missed Opportunities
Points you could have earned
Your rewards, baked to perfection.
A personal rewards wealth manager — built around your spend, your cards, your goals.
Baked Insights
Rewards Rate
0.5¢
per $Preheating
Wallet Efficiency
0%
72,080 / 92,410 pts
Current Annual Projection
Based on your last quarter's transactions
136,180
Points
$3,856
Est. value
$1,770
Annual fees
Available Bonuses
Use these before they reset
Marriott Bonvoy Brilliant American Express Card
1Sapphire Reserve
6Gold Card
5Missed Opportunities
Points you could have earned
Your cards have been holding out on you.
Brownie analyzes your real spend, calls out underperformance, and finds exactly where you can earn more from what you already have.
Bonvoy Brilliant American Express Card
192 pts • $1.80
$143
Net value
Gold Card
Quarterly Resy Credit
Sapphire Reserve
$300 Annual Travel Credit
Amex Platinum
Quarterly Lululemon Credit
Expiring Credit!
Your $50 Resy Credit expires in 5 days. Don't let it go to waste!
Freshly Baked Credits
You have two new shopping credits that just reset. Don't let them sit!
Your perks don't go unused on our watch.
From monthly rideshare credits to annual travel perks, Brownie tracks everything you have available and notifies you before it disappears.
Get the whole batch.
Your full rewards portfolio, plus where you're headed. Brownie tracks it all so you always know exactly where you stand.
475,787
Total Points
$9,430
Est. Value
$0 from cash backCurrent Annual Projection
Based on your last quarter's transactions
38,688
Points
$903
Est. value
$2,840
Ann. feesAnnual fees
Credit Card Rewards
Ultimate Rewards
2 cards
ThankYou Points
1 card
Travel Rewards
British Airways
Avios
Japan Airlines
Mileage Bank
Hyatt
World of Hyatt
Next Card to Add
Citi Double Cash
$1,931 Additional Value
Part of your optimal wallet.
+84,347
Points
+$1,931
Est. value
$0
Annual fees
The card your wallet is missing.
We don't pick your next card. Your spend does. Brownie runs the numbers and tells you exactly what your wallet is missing, and what it's worth.
Your next trip,
mapped to the point.
Your next trip,
mapped to the point.
Put all of your dining spend on your Citi Strata Premier card to get to your Amsterdam goal faster!
Read-Only Access
We can only view your transaction data. We can never move money or change your account settings.
Bank-Level Connection
We partner with Quiltt and MX to securely connect to your financial institutions. Your credentials never touch our servers.
No Personal Data Storage
We don't store your raw financial data or ever see your login and card details. We only analyze what's needed to maximize your rewards.
Your trust is our most valuable point.
We take security seriously. Built with industry-standard protocols, your data remains yours—untouched and protected.