Your data is encrypted with a key derived from your password. It only exists, decrypted, during a logged-in session — nobody, including whoever runs this server, can read it otherwise.
This is shown once. It's the only way to reset your password without losing your data. Save it in a password manager now.
Real Net Value = real (optimal-routing) value earned, plus realized perks, minus the annual fee. This is the decision-ready number per card; it excludes one-time signup bonuses and the "if all spend went here" hypothetical, both shown separately below.
| Card | Status | Real Net Value | Real Value | Perks | Fee | If all spend here | Signup bonus (info only) |
|---|
| Category | Spend | Winning card | Effective fee | Optimal value |
|---|
| Program | Spend-alone pts | Combined ceiling | Next tier | Points to go |
|---|
A recent date only proves someone checked recently, not that the number is right. Unconfirmed estimates are listed even if their date is fresh; stale items are listed even if marked confirmed once. Verifying requires restating the current value — there's no bulk "mark everything verified".