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multiply.fyiMore points from the cards you already have

You're leaving points on the table every month.

Multiply routes the spend you already run across the cards you already hold — no new accounts, no moving money — and shows you the points you're missing.

Get early accessHow it works
  • Your cards, nothing new to open
  • Your money never moves
  • You see the points you're missing
Points you're missingIllustrative preview
01 / Your spendWhat you already spend each month
02 / Better fit
  1. 1
    Your card nowWhat earns today
  2. 2
    Best card you already holdWhat could earn more
  3. 3
    Points left behindThe difference, shown clearly
03 / You decideSee the better card before anything changes.

Example structure only — no live spend, balances, or card changes are represented here.

How it works

Show it your spend. See the points you're missing.

Card advice usually starts with a card to add. Multiply starts with what you already do — the spend you run and the cards you hold — and finds the points hiding in the gap.

  1. 01

    Your spend, made visible

    Show it your real monthly spend, and it finds where a different card earns more.

    Illustrative spend fitEvery lane gets a closer look
    Best fit from the cards you already holdShown lane by lane

    Illustrative structure only. No live spend or card recommendation is shown.

  2. 02

    The points you are missing

    You see exactly how many points you are leaving on the table, and which card should catch each dollar.

    Illustrative points deltaSee what the gap costs
    Monthly differenceIllustrative gapEvery result stays tied to the spend you entered.

    Illustrative structure only. No points total or savings claim is represented.

  3. 03

    Your plan, your call

    It works only with the cards you already hold — it will never try to sell you a new one.

    Illustrative choiceYou keep the final call
    Multiply shows the tradeoffMore pointsPrioritize the strongest earning fit.

    Illustrative interaction only. Multiply never switches a card for you.

What it does and doesn't do

Honest about what it can do today.

Works now

The engine works today.

  • Same spend, same cards, same plan — every run.
  • Anything it can't verify stays flagged, never guessed.
Not connected

No accounts, no switching, no payments.

Multiply never connects to your bank, sees your live transactions, switches your cards, or moves a dollar. Every plan is a decision aid — you confirm rates and terms with the issuer before anything changes.

Early access

Get early access.

Leave an email and be first in line when routing opens to the public. No live routing, no card changes, no yield promises — just a note the day it's ready.

Plan first

See the boundary before you trust the route.

Bring a spend export. Bring the cards you hold. Keep the final check.

Get early access