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.
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.”
One card can't be best at everything.
Reward categories differ by 3–5× across cards. Put everything on one, and most of your spend earns the floor.
Your spend is spread out
Groceries, restaurants, gas, streaming, travel: each has a card that pays 3–6% on it. No single card wins them all.
The default is 1%
Whatever card you opened first probably earns a flat 1–1.5% on everything. On real annual spend, that's hundreds of dollars a year left behind.
Nobody neutral tells you
Every bank only recommends its own cards. Basel earns from a subscription, not your spend, so the math is the only thing talking.
Connect, see the gap, capture it.
No spreadsheets, no points blogs. Connect your spend, read one number, follow a short action plan.
Connect
Link a card read-only through Plaid. Basel ingests your recent months of spend and categorizes it.
See the gap
Every purchase is scored against the catalog. You get one number: the rewards you'd earn with the best wallet versus today.
Capture it
One action plan: which card for each category and which recurring charges to move first.
Neutral by design. We issue no card.
Basel makes money from a subscription, never from your spend. The optimizer scores cards on published earn rates, caps and fees; it can't see which cards pay us a referral bounty. When the card you already carry is the right one, the report says exactly that.