Norte

Credit card holders, especially those with premium or multiple cards, pay annual fees for perks, credits, and protections that go unused because the benefits are buried in fine print or scattered across issuer guides. Today they either forget these benefits exist, don't know which card to use for a given purchase, or miss credits before they reset on the issuer's schedule. The page cites an example wallet with $1,515 in annual fees where only $1,315 has been captured against $2,716 still available, and testimonials describe a user unaware of a $1,600 medical claim and another paying for extra rental insurance already covered by their card. This results in cardholders effectively leaving hundreds or thousands of dollars a year on the table despite paying for the coverage.

Norte is an app that reads a user's credit card benefit guides and surfaces every credit, perk, and protection tied to their specific cards, without requiring bank or card account linking. It recommends which card to use for a purchase in plain language, comparing earn rates and coverage across the wallet (e.g., showing 'Best overall' vs 'Best cashback' options for a dining purchase). It tracks usage of credits against issuer reset schedules and alerts users before a benefit period closes, with a 'mark as used' feature to log captured perks. The product also includes free tools like a card-comparison selector, an annual fee calculator, and a coverage glossary, and covers over 200 cards across the US, UK, and Europe.