Every credit that expires unused is profit for the issuer. baku is the portfolio manager for your credit cards.
Cards now pay you back through dozens of separate credits on different clocks — monthly, quarterly, semi-annual, anniversary-year — and it's not just premium cards anymore. The value is real, but you only collect it by doing homework every month, forever. Issuers call the credits you let expire breakage, and they price it in.
separate credits on a $795 Sapphire Reserve — five of them monthly.
different reset schedules on a $895 Amex Platinum's twelve credits.
is what an unused credit is worth the day after it resets. No rollover, no grace period.
Search a catalog of 130+ cards and tap the ones in your wallet — even retired ones. No bank login, ever.
Every credit comes pre-loaded. Keep the ones you'll actually use, drop the rest — your dashboard stays signal, no noise.
Credits arrive sorted by deadline — this month, this quarter, this year — so the most urgent ones are always on top.
Mark a credit used or unused in one tap, or log a partial amount and baku keeps the running balance. Periods roll over on their own.
Other tools tell you whether a credit was used. baku tells you what expires soonest and what to do about it — this month, this quarter, this year. Periods roll over by themselves. Nothing to maintain.
baku never connects to your bank. No credentials, no card numbers, no transactions — only what you choose to share: the cards you hold and the credits you've used. There's nothing sensitive here to breach. That's a feature, not a gap.
baku makes money one way: a subscription you pay. No affiliate links, no "apply for this card" wall, no selling your data to issuers. That's the point — when the banks aren't paying us, our only job is getting you every dollar back.
The ultra-wealthy have portfolio managers. Now you do too. Because baku knows your cards, fees, anniversaries, and what you actually redeem, it can answer the questions that drive real money decisions:
Credits redeemed vs. annual fee, per card, per year.
The right moment to call for a retention offer, with your numbers in hand.
Suggested from your own usage, not a blogger's affiliate link.
Total annual fees, total credit limit, every anniversary.
Portfolio insights are rolling out — credit management is live today.
Add your cards in two minutes. baku takes it from there.