Earn more on every dollar. Change nothing about how you spend.
Basel reads your recent card transactions, computes the exact rewards you're forfeiting to bad routing, and hands you the plan to capture them.
Keep your cards. Keep your habits. Stop leaving cash back behind.
Most people run groceries, dining, gas, and travel through one card earning a flat 1%. Basel shows the gap in real dollars and the plan to close it.
Today's setup earns $9,800/yr. Routed correctly, that becomes $23,800/yr.
Today's setup earns $520/yr. Routed correctly, that becomes $1,510/yr.
When every category earns its best rate, everything you already buy pays you back.
Not a new card, not a new habit. Just your existing spend, routed correctly.
Find money that was always yours
Ads, shipping, SaaS, travel. Most businesses run $20k to $500k a month through whatever card the founder opened first, earning the floor rate on all of it. The gap is $5k to $30k a year, and closing it doesn't require spending a dollar differently.
One plan, ranked by dollars
Category earn rates vary 3 to 4x across cards. Basel scores your actual transactions against the full catalog and returns a single ordered plan: what to move, where, biggest gain first.
Nobody here is selling you a card
Ramp recommends Ramp. Brex recommends Brex. Amex recommends Amex. Their revenue depends on capturing your spend. Ours comes from a subscription, so the math is the only thing talking.
When every category earns its best rate, everything you already buy pays you back.
Not a new card, not a new habit. Just your existing spend, routed correctly.
Find money that was always yours
Groceries, restaurants, gas, streaming, travel. Each has a card paying 3 to 6% on it, while your default card pays 1. That gap is hundreds of dollars a year, recovered without changing what you buy.
One plan, ranked by dollars
No single card wins every category, and nobody should have to read points blogs to figure that out. Basel returns one short plan: which card, for what, starting where the gain is biggest.
Nobody here is selling you a card
Every bank recommends its own cards. Basel earns from a subscription, not your spend, so when your setup is already optimal, the report says exactly that.
Basel knows your spend, scores every card, and shows you the math.
The optimizer runs the same arithmetic a diligent finance team would, if it had a week to spend on card routing alone. Then it keeps running it, every time your data refreshes.
Never guess a category
Every transaction is categorized against real merchant data, not keyword guesswork, so the math starts from the truth.
Never trust a sticker rate
Every card is scored to its actual caps, fees, and redemption values, not the number on the marketing page.
Verify everything yourself
Every recommendation shows its work, card by card, category by category. You never have to take Basel's word for it.
Never goes stale
Every re-import recomputes the whole picture automatically. New merchants categorized, caps rechecked, the plan re-ranked. Nothing to re-run by hand.
Basel knows your spend, scores every card, and shows you the math.
The optimizer runs the same arithmetic a diligent points hobbyist would, minus the spreadsheet and the forum threads. Then it keeps running it, every time your data refreshes.
Never guess a category
Every purchase is categorized against real merchant data, not keyword guesswork, so the math starts from the truth.
Never trust a sticker rate
Every card is scored to its actual caps, fees, and redemption values, not the number on the marketing page.
Verify everything yourself
Every recommendation shows its work, card by card, category by category. You never have to take Basel's word for it.
Never goes stale
Every re-import recomputes the whole picture automatically. New merchants categorized, caps rechecked, the plan re-ranked. Nothing to re-run by hand.
The gap is real money, at every size of spend.
“We'd put every dollar of ad spend on the same 1.5% card since we opened. Moving it took an afternoon and paid for a hire.”
“It told us our Brex setup was already close to optimal and didn't try to sell us anything. That's when we started trusting the rest of the report.”
“Shipping and software were quietly earning the floor rate for two years. The action plan was three moves, ranked by size.”
The gap is real money, at every size of spend.
“I didn't realize I had over $1,200 a year in cash back I'd been missing out on for so long. Two category moves and it was captured.”
“It said my setup was already close to optimal and didn't try to sell me a single card. That's why I trusted it when it flagged my travel spend later.”
“Groceries and gas alone covered the subscription in the first month. It told me to keep my main card and just move two categories.”
“Our honeymoon flights were free. A year of wedding spending routed through the right cards covered both tickets, and we didn't change what we bought.”
“December is covered now. The cash back we'd been leaving on groceries and gas all year pays for the holidays.”
“Same spend, same bills. We just board with lounge access and free checked bags now, and the math still came out ahead after the annual fee.”
Your spend is nuanced. So is the optimizer.
Three artifacts, zero homework: a report that finds the gap, a plan that closes it, and a dashboard that keeps score.
One number you can't unsee
Your current setup versus the optimal wallet, the gap broken down by category, math shown. Free, in-app, printable as a board-ready PDF.
Which card, for what, in what order
Every category routed to the card that pays best on it, with the exact recurring vendors to move. One ordered plan that tracks percent captured as you go.
A live view of your effective rate
Spend by category, your return today versus optimal, and a flag before any bonus cap bites. Re-run the optimizer whenever your data refreshes.
Overflow never earns the floor quietly
Bonus and quarterly caps are part of every recommendation, so spend past a cap never silently drops to the base rate.
The engine can't see who pays us
Cards are ranked on published rates, caps, and fees. Referral bounty data is invisible to the engine, by design.
Basel can look, never touch
Plaid and QuickBooks connections are read-only. No credentials stored, no money moved, no cards opened. Ever.
One number you can't unsee
Your current setup versus the optimal wallet, the gap broken down by category, math shown. Free, in-app, and printable.
Which card, for what, in what order
Every category routed to the card that pays best on it, with the exact recurring charges to move. One ordered plan that tracks percent captured as you go.
A live view of your effective rate
Spend by category, your return today versus optimal, and a flag before any bonus cap bites. Re-run the optimizer whenever your data refreshes.
Overflow never earns the floor quietly
Bonus and quarterly caps are part of every recommendation, so spend past a cap never silently drops to the base rate.
The engine can't see who pays us
Cards are ranked on published rates, caps, and fees. Referral bounty data is invisible to the engine, by design.
Basel can look, never touch
Plaid connections are read-only. No credentials stored, no money moved, no cards opened. Ever.
Arithmetic-driven. Numbers-proven.
Card routing, the old way and the Basel way.
- Ads, shipping, SaaS, and travel all sit on one 1.5% card
- Nobody notices a bonus cap until the statement arrives
- New-card research means comparing marketing pages, not math
- Switching feels risky because there's no way to verify the upside first
- Each category routes to the card that actually pays best on it
- Caps are tracked automatically and flagged before overflow hits the base rate
- Every recommendation shows its math before you act on it
- You see the exact annual gain before you ever apply for anything
Card routing, the old way and the Basel way.
- Groceries, gas, dining, and travel all sit on one 1% card
- Quarterly caps reset quietly and nobody notices
- New-card research means points blogs and forum threads
- Switching feels risky with no way to check the upside first
- Each category routes to its best-paying card
- Caps are flagged before your bonus rate runs out
- Every recommendation shows its math, card by card
- You see the exact annual gain before you apply for anything
Built for whoever ends up owning the card question.
The category math, done once and kept current
No finance team combing statements. Basel runs the arithmetic and keeps it fresh every time your data does.
Effective rate by category, automatically
Stop reconciling which card earned what by hand. One dashboard tracks it continuously and flags what's drifting.
Know the gain before the hard pull
See the exact annual upside of a new card before you apply, not after you've been approved.
Built for however you spend.
The categories that add up fastest
Groceries, gas, and dining quietly compound. Basel finds the cards already paying more on them.
Let the trip pay for itself
Flights, hotels, and transit earn wildly different rates card to card. See which one actually covers the ticket.
One dashboard, whole family
Everyone's spend in one view, so nobody has to remember which card is for what.
Neutral like Switzerland.
We issue no card.
Basel makes money from subscriptions, not from your spend. The optimizer is bounty-blind: it scores cards on published earn rates, caps and fees. It cannot see which cards pay us referral bounties. When your current setup is already optimal, the report says exactly that, in plain language, for free.
| Who | Will recommend |
|---|---|
| Ramp | Ramp, every time |
| Brex | Brex, every time |
| Amex | Amex, every time |
| Chase | Chase, every time |
| Basel | Whatever the arithmetic says, including "keep what you have" |
| Who | Will recommend |
|---|---|
| Amex | Amex, every time |
| Chase | Chase, every time |
| Citi | Citi, every time |
| Capital One | Capital One, every time |
| Basel | Whatever the arithmetic says, including "keep what you have" |
We protect and respect your data.
Read-only access via Plaid or QuickBooks, tokens sealed with AES-256-GCM, and a business model that never needed your data to work in the first place.
Arithmetic-led where it helps. You approve where it matters.
The optimizer never stops checking
Basel is recomputing before you log back in, so the plan is never stale and no cap catches you off guard.
You approve every move
Basel never opens a card or moves a dollar. Every line in the action plan is something you choose to do, at your own pace, in whatever order you want.
Questions, answered straight.
The short version: read-only access, conservative math, and a business model that doesn't need you to switch cards.
Is this safe? What can Basel see?+
Basel has read-only access to transaction data via Plaid, QuickBooks, or a CSV you export yourself. We never see bank or accounting credentials, can't move money, and can't open cards. To provide ongoing Plaid monitoring, Basel stores transaction history in your authenticated workspace and stores the Plaid access token only after sealing it with AES-256-GCM using a separate server-side key. You can disconnect Plaid or delete your Basel data from Profile.
What if my current setup is already optimal?+
Then the report says so, plainly. Some of the businesses we analyze are within a few hundred dollars of optimal already, usually Ramp or Brex shops with simple spend. We'd rather tell you that than invent a reason to switch. It's also usually the moment people start trusting the rest of the report.
What if my current setup is already optimal?+
Then the report says so, plainly. Some of the wallets we analyze are within striking distance of optimal already, usually a well-chosen 2% card with simple spend. We'd rather tell you that than invent a reason to switch. It's also usually the moment people start trusting the rest of the report.
How does Basel make money?+
A subscription for the action plan and dashboard. When the optimizer finds a genuine gap that a new card would fill, some issuers pay an application bounty; those recommendations carry a visible disclosure, and the optimizer itself never sees bounty data.
Do I need to open new cards?+
Often no. The first thing the report shows is the best you can do with only the cards you already hold. Re-routing is free money before any application, and new-card recommendations only appear when the gap clears a meaningful threshold after fees.
Where do the card earn rates come from?+
Our card rules catalog: published earn rates, caps, fees and point valuations for the top US business and personal cards, versioned with effective dates and reviewed monthly. It's the core of the product; see the methodology page for the full model.