Dracit compares what your statement actually earned against the best card already in your wallet for each category. Every dollar of “missed rewards” traces back to a rate you can check yourself.
There’s no model guessing your habits. It’s a lookup against published earn rates, run on the transactions you confirmed.
Each transaction is matched to a category — dining, groceries, gas, recurring — and you confirm it before any math runs.
For every card in your wallet, we pull its published earn rate for that category from a maintained Canadian rate table.
We compute what you earned on the card you used versus the best-earning card you already carry — no new cards considered.
The difference, summed across the month, is your missed rewards. Same inputs always give the same number.
Here’s the exact calculation behind a single line of your audit — groceries for the month.
$18.68 − $4.67 = $14.01, reported as $14.00 — gaps round down to the cent's benefit of caution. Both cards were already in your wallet, so this gain needs no new application — just swapping which card you reach for at the grocery till.
This is the same $42 you see on the sample audit — now you can see precisely where each dollar comes from.
Add the cards you already carry. Dracit knows their category earn rates — no card numbers, just the names.
120+ Canadian consumer cards covered and updated as issuers change their rates. Card names are trademarks of their respective issuers; Dracit is independent and not affiliated with any of them.
Dracit is built local-first on purpose. The short version: we never touch your bank, and we never see a card number.
No — never. Dracit has no connection to your bank and no screen that asks for banking credentials. You add cards by name and upload a statement you already downloaded yourself. Anyone asking for your bank login to “find rewards” should be treated with suspicion; we designed Dracit specifically so that’s never required.
We don’t collect them at all. The audit only needs the card’s name (e.g. “Amex Cobalt”) and the categorized amounts from your statement. There is no field for a card number, CVV, or expiry — so there’s nothing sensitive to store or leak.
The rewards math runs against a rate table on your side, not by shipping your full financial history to a cloud database to be mined. We keep the dependency surface deliberately small: no cloud database dependency, no bank credentials. Less data collected is less data that can ever be exposed.
No. Google is identity only. It confirms you are you so your audit is yours when you return — nothing more. It grants Dracit no access to your email contents, your Google account data, or any financial account.
It’s used to categorize transactions for your audit and is never sold or shared with advertisers, lenders, or data brokers. You review every category before anything is saved, and you can delete your audit at any time.
No. There is no account linking, no payment rail, and no read access to balances. Dracit is a calculator for rewards you already had access to — it can read the math, not your money.
You’ve seen exactly how the math works. The only thing left is your statement — and your first fix is about four minutes away.