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.
Hypothetical example - not a current card offer or customer result. The labels and rates below exist only to demonstrate the calculation.
$2.00 − $1.00 = $1.00. Sample Card A and Sample Card B are placeholders, not real products.
The three hypothetical $1.00 gaps sum exactly to the $3.00 sample total. Real results use only evidence-gated card data and the user's reviewed inputs.
Add cards by name only. “Vault-active” means a card may participate in current recommendations; it does not mean every optional rate, fee, cap, or eligibility field has been certified.
Dracit treats each field separately and never labels an unsupported rate, fee, cap, or eligibility rule as verified. 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 connect to your bank or ask you to type 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.
No. There is no field for a card number, CVV, or expiry. A statement you upload can itself contain account or card identifiers; Dracit receives the complete file while parsing it, retains the supplied filename and parsed statement data, and does not intentionally retain the original file.
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.
When upload completes, Dracit stores statement metadata and parsed transactions so it can show the review screen. You then review and correct the categories. Deleting an uploaded statement in Statements removes its statement record and associated transactions from the active database. Backup and log retention is separate from self-service statement deletion; no owner-approved retention policy is currently configured. Statement data is never sold or shared with advertisers, lenders, or data brokers.
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. Run it on your wallet when you are ready.