Are Your Cards Justifying Their Annual Fees?

Absolutely. We prioritize your privacy above all else. Your data is protected using SSL/TLS encryption in transit, and any personal information is encrypted at rest. Because we are a tracking platform, we never store or ask for your actual credit card numbers.

Absolutely. Justify Cards is a fully responsive web application, which means you can access and manage your cards seamlessly on any device (such as your phone, tablet, and desktop) without having to download anything from the app store.

Yes! Justify Cards fully supports both personal and business credit cards. Business cards often carry the highest annual fees and the most complex, underutilized credits, making them the most profitable cards to track on our platform.

Justify Cards makes money in two ways: first, through our premium subscription tier which unlocks unlimited manual card tracking. We also plan to offer an add-on to sync your account transactions, which would require less manual tracking (there are some in-app credits that these syncs would not be able to see). Second, we may receive affiliate commissions from card issuers if you choose to apply and are approved for a card through our affiliate links. These recommendations are driven strictly by your benefits tracking data—we never rank or favor a card just because of an affiliate partnership. Our goal is to provide a recommendation that you can actually utilize.

Our CSV statement parsing is built on a highly secure, privacy-first architecture. When you upload a statement, the system extracts only the specific transactions that qualified for a credit (e.g. a $100 shopping purchase on May 12th that was credited $100 on May 20th) and saves them directly to your benefit card as a helpful audit trail. Your general, non-rewards transaction histories (like groceries or utility bills) are immediately discarded and never stored. Before any matching happens, all personal identifiers (like your name or card digits) are scrubbed locally in your browser, and we process the statement through secure, zero-data-retention AI models that never save your raw data or train public systems.

We continuously monitor credit card updates to ensure our catalog remains 100% accurate. If you see something missing, please inform us at help@justify.cards so we can update our information. There is also a custom benefit option that users can add for specific benefits or value that they derive from their card. Along with basic tracking, we provide curated tips and optimization tricks for each card to ensure you know exactly how to maximize and claim every credit. While we focus primarily on statement credits today, we are actively expanding our roadmap to advise on point valuations, transfer partner strategies, and optimal point redemptions in future premium features.

We're here to help! We offer dedicated email support to all of our users. You can reach out directly to us at help@justify.cards and our team will get back to you as quickly as possible.