If you carry more than one card, the one you reach for doesn't always pay the most. Missed rewards shows where another of your cards would have earned more, so you know which card to use next time.
How a missed reward is worked out
For each purchase, we work out what your other tracked cards would have earned on it, the same way we do for the card you used. Only cards that make sense count:
- Cards you already had on the day of the purchase.
- Cards the store accepts. A store that doesn't take a card's network is never counted for it.
- Purchases on a personal card are compared with your other personal cards, and business cards with business cards.
We use your own point values and count foreign transaction fees, and the other card's caps fill up as it goes, so it's never flattered. Small differences are left out: another card has to earn at least 10 cents more, and at least 10% more, to count.
See your missed rewards
Open All cards
On Rewards, pull every card out of the wallet so the page shows All cards, and stay on Overview.
Open Missed rewards
Missed rewards is one quiet line with the total for the period. Tap it to open.
See where it came from
It's broken down by kind of purchase, such as Groceries, with the card to use instead and how much more it would have earned. Biggest misses lists the purchases that cost the most; each one opens that day's transactions.
If you used your best card every time, it says so. If nothing stands out, the panel doesn't appear at all.
On your transactions
- Filter: on Transactions, open Rewards in the filters and choose Another card pays more to see just those purchases.
- Column: turn on the Better card column to see, on each purchase, which of your cards would have earned more and by how much. It's off until you choose it. See columns and saved views.
- On a purchase: open it and choose Rewards. If another of your cards pays more, one line says so. Choose How would cards you could get do? to see how a few cards you don't have would have done on that purchase.