Your card credits expire.
You might not notice.
Pick the cards in your wallet. Grail shows every credit they include, then texts you before each reset date.
No bank login required No account needed to look Free for 30 days, then $19.99/mo
Your $10 Grubhub credit resets in 3 days. It's on your Amex Gold and you haven't used it this month.
Ordering Grubhub tonight. Which card?
Amex Gold. The $10 credit covers part of it, and dining earns 4x.
Done
Marked used. I'll leave it out until it resets Oct 1.
An example thread. Grail texts first, and answers when you ask.
One card. Ten credits.
Every one on a clock.
The Amex Platinum statement-credit calendar.
Seven more on the same card.
Miss a window and the credit is gone. Grail texts you first.
See what my cards includeStart with your cards. Add the rest when you want.
Grail works where you already are.
A week with Grail looks like this.
Three texts from one week.
No bank login required. Encrypted in transit and at rest. Never sold, never used for ads.
How Grail uses your data →A few things to know.
Do I have to connect my bank?
No. Grail works from the names of the cards you carry. No bank login required.
Can I look before creating an account?
Yes. Pick your cards and Grail shows what they include right away. You add your phone number only when you want Grail to keep watching them.
How does Grail know what I've used?
Only what you tell it. Reply "Done" to a text, mark a credit used in Grail, or forward the receipt, and it stays out of your reminders until it resets. Your issuer statement is the final word on what has posted.
What does it cost?
Trial reminders are free: forward a free-trial email and Grail reminds you before it charges, with or without a membership. Watching your cards' credits, the texts and your AI assistant are free for 30 days, then $19.99 a month. One missed $100 credit covers five months.
Does Grail spend money or cancel things for me?
No. It reminds you and answers questions. You make the purchase or the cancellation.
Which cards does Grail know?
2,100+ benefits across 260+ cards, from the big premium cards to airline and hotel co-brands. Type yours into the search above to check.
Start with the cards in your wallet.
Free for 30 days, then $19.99 a month. Forwarded-email trial reminders stay free. One missed $100 credit covers five months of Grail.
See what my cards include