Pay once, or optimize all year.

With read-only access only. You either upload statements or connect cards through an encrypted, read-only connection. We can never move money, make changes to your accounts, or sell your data.

PDF, CSV, and OFX statement files from any of our 38 supported issuers — or skip uploads entirely with a secure read-only card connection.

The total charges across all of your business credit cards during the last calendar year (or the trailing 12 months if you choose a rolling audit window).

On the under-threshold plan, only the first $— of uploaded spend is analyzed. If your statements exceed that, your audit will clearly flag the cap and show an upgrade notice to the higher tier for full coverage.

Yes, and you choose how. Keep your renewal date and pay the difference between the two plans' annual prices — a full year of the higher plan for the same total, with your existing renewal date untouched. Or start a fresh 12-month term at the new plan's full price, in which case the unused portion of your current plan is refunded. Either way your audit re-runs at full coverage immediately. Upgrades are not prorated down to the weeks remaining: a year of the higher plan costs its full price whenever you move.

The Personal One-Time Audit comes with a conditional 14-day money-back guarantee: if the missed-points value our audit finds (at high-end transfer-partner rates) is under the audit price, you can request a full refund within 14 days of purchase. Run your audit inside that window — running it later forfeits the guarantee, though your 1-year access to the results is unaffected. If the audit finds more value than it cost, it isn't refund-eligible. The Rolling Annual upgrade is non-refundable. Business accounts don't have a cash refund option — instead, if a Business one-time audit doesn't find enough recovery to justify its price, you're instantly upgraded to a full year of the annual plan at no additional cost the moment your audit runs. Deleting your account forfeits refund eligibility.