Credit Card Spend Analyzer
Upload your credit card CSV statements and instantly visualize where your money goes, surface recurring subscriptions, and find the credit card that maximizes your cash back. Everything runs locally in your browser — your transactions never leave your device.
How it works
- Upload CSVs exported from Chase, American Express, Citi, Capital One, or Bank of America.
- Explore monthly spend trends, category breakdowns, top merchants, and recurring charges.
- Compare what you would have earned on every major rewards card and see the upside of switching.
What you can do
Spend trends
Monthly totals, average spend, and category breakdowns from any combination of CSV files.
Recurring charges
Automatically surface subscriptions and merchants billing you across multiple months.
Cashback simulator
Replay your spending against major credit cards' reward rules — including category caps and annual fees.
Card recommendations
Rank cards by net rewards over your real history and see exactly how much you'd save by switching.
Supported credit card issuers
- Chase — Sapphire Preferred, Freedom Unlimited, Freedom Flex, and more
- American Express — Gold, Blue Cash Preferred, Blue Cash Everyday, Platinum
- Citi — Double Cash, Strata Premier
- Capital One — Venture X, SavorOne, Quicksilver
- Bank of America — Customized Cash Rewards, Premium Rewards, Travel Rewards
Privacy
Transact is open source and fully client-side. CSV files are parsed in your browser using JavaScript; no transaction data is uploaded, stored, or shared with any third party.
Frequently asked questions
Is my credit card data uploaded anywhere?
No. Transact runs entirely in your browser. CSVs are parsed locally and nothing is sent to a server.
Which credit card issuers are supported?
CSV exports from Chase, American Express, Citi, Capital One, and Bank of America are recognized automatically. Other CSVs fall back to a best-effort parser.
How does the cashback recommender work?
Each transaction is replayed against the reward rules of major credit cards (rates, category bonuses, caps, annual fees) to estimate net annual cash back, then ranked against your real card portfolio.
Does Transact identify recurring subscriptions?
Yes. Merchants that appear across two or more months are surfaced with their average monthly cost.
Open source & contributions
Transact is open source under an MIT license. Bug reports, parser improvements for new CSV formats, and additional credit card reward rules are all welcome on GitHub.
Loading the analyzer…