Yes. Benefit Guardian is free to use. We help surface benefits you may already have; we do not ask you to apply for a new card.

Do you need my card number or bank login?

No. You select the cards, subscriptions and basics that apply to you. No account numbers, bank linking or credit check.

Potential card statement credits, subscription and membership perks, plus public programs such as SNAP, LIHEAP, Lifeline, EITC, Medicare Savings and Medicaid.

Are the dollar examples guaranteed?

No. Examples show what some individual credits or programs can be worth. Eligibility, availability and value depend on your situation and can change.

YOU MAY BE LEAVING MONEY ON THE TABLE CHECK FREE →

FREE MONEY CHECKER · WEB-ONLY · 60 SECONDS

Your cards could be hiding free money.

Unused statement credits. Perks you forgot to activate. Programs you may qualify for. Benefit Guardian helps you find the money that could already be yours.

Find my benefits — free →How it works ↓

No card numbers · No bank linking · No credit check · 100% free

UNUSED CREDITS · EXPIRING PERKS · SNAP · LIHEAP · LIFELINE · EITC · MEDICARE SAVINGS · MEDICAID · UNUSED CREDITS · EXPIRING PERKS

THE FASTEST WAY TO SEE WHAT YOU’RE MISSING

One minute could change what you claim this year.

Tell us what you use

Choose cards and subscriptions. Add your ZIP and a few eligibility basics only if you want program matches.

We surface the overlooked

See possible credits, perks and programs that are easy to miss in the fine print.

Make your next move

Get a practical checklist of benefits to review, activate or apply for.

THREE PLACES YOUR MONEY HIDES

It’s not just your credit card.

Statement credits

Monthly or annual credits for food, rides, travel, streaming and more can be forgotten—or expire unclaimed.

Explore card guides →Featured: Amex Platinum guide →

Perks you already pay for

Subscriptions and memberships may include discounts, insurance, access and reimbursements you never use.

Check my perks →

Programs near you

Public support can depend on your household, income and ZIP. A quick check is worth it.

Browse by state →

DON’T LET EXPIRING CREDITS WIN

Come back before money disappears.

Credits reset. Eligibility changes. New perks show up. The digest is designed to bring you back for the benefits you missed and the ones about to expire.

START WITH WHAT YOU KNOW

Helpful guides, built for sharing.

GUIDES

Read: The Free Money Hiding in the Credit Cards You Already Own →

QUESTIONS BEFORE YOU CHECK

Good instinct. Here’s the deal.

You already did the hard part:
you paid for it.

Now find out what you can use.

Your cards could be hiding free money.

One minute could change what you claim this year.

Tell us what you use

We surface the overlooked

Make your next move

It’s not just your credit card.

Statement credits

Perks you already pay for

Programs near you

Come back before money disappears.

Helpful guides, built for sharing.

Credit card benefits people forget to use

Benefits and assistance by state

Benefit Guardian vs. doing it manually

Good instinct. Here’s the deal.

You already did the hard part:
you paid for it.

Your cards could be hiding free money.

One minute could change what you claim this year.

Tell us what you use

We surface the overlooked

Make your next move

It’s not just your credit card.

Statement credits

Perks you already pay for

Programs near you

Come back before money disappears.

Helpful guides, built for sharing.

Credit card benefits people forget to use

Benefits and assistance by state

Benefit Guardian vs. doing it manually

Good instinct. Here’s the deal.

You already did the hard part:you paid for it.

You already did the hard part:
you paid for it.