How can we help?

Savings Unlocked is a free search engine for the cash back offers already sitting on the credit cards you own. Issuers like Amex, Chase and Bank of America each run their own offer portal, and almost nobody checks all of them before shopping. We put every offer we can find in one place so you can look up a store once and see what your own cards will pay you back.

Yes. Searching offers, creating an account, adding your cards and saving offers are all free. We never ask for a payment method.

No. There are no bank logins and no account linking. You tell us which card products you carry — for example 'Amex Platinum' — and that is the whole of it. We never see your card numbers, your balances or your transactions, and we cannot activate an offer on your behalf. Activation always happens on your issuer's own site, while you are signed in to it.

We currently carry offers from American Express, Bank of America, Chase, Citi, PayPal, US Bank, Wells Fargo. Coverage grows over time, and you can browse any issuer's offers from the Browse by Card section of the menu.

No. Search, merchant pages and the featured offers all work signed out. An account adds the personal surfaces: your wallet, your saved offers and the brands you follow.

Four steps. Find the offer here, click through to activate it in your issuer's offer portal, pay with that same card at the merchant, and your issuer credits the cash back to your account after the purchase settles. The credit comes from your bank, not from us.

Almost always, yes. Card-linked offers have to be added to your card before the purchase, and a purchase made before activation will not earn the cash back retroactively. Activate first, then shop.

That is entirely up to your issuer. Most post the statement credit within a few days to a few billing cycles after the transaction settles. If a credit never arrives, your card issuer's customer service is the only party who can look it up.

We are not able to — the offer, the activation and the credit all live with your card issuer, and we have no access to your account. Contact your issuer directly and reference the offer and the transaction. We would still like to hear about it, because a pattern of failures usually means an offer's terms are being reported wrong on our side.

Card-linked offers are targeted: issuers show different offers to different cardholders, and an offer that exists on the network may simply not be assigned to you. Our catalog is a broad snapshot of what is out there rather than a view of your specific account, so your issuer's portal is always the final word on whether an offer is yours.

Treat them as a guide. We read spend requirements, caps and expiration dates from the offer as it was published, and issuers change or pull offers without notice. Always read the terms in your issuer's portal before you rely on an offer.

Your wallet is what makes results personal. Once we know which cards you hold, search leads with the offers those cards actually carry and the My Cards toggle filters everything else out. Without a wallet you see the whole catalog, including offers you cannot use.

An offer is on your cards when we can map it to a specific card product you told us you hold. It is possible when we know it comes from a bank you carry but cannot tell which of that bank's cards it belongs to — issuers publish card details unevenly, and PayPal publishes none at all. We show the two as separate groups rather than guessing, so a possible offer is worth a look but is not a promise.

Our card catalog is built from the card art issuers publish alongside their offers, so a newly launched or rarely pictured card can be missing. Add the bank on its own in the meantime — you will still see that issuer's offers, grouped as possible matches — and let us know which card is missing so we can add it.

Saving an offer keeps it on your My Offers page so you can come back to it before it expires, including after it expires so you can clear it out. Following a brand adds it to My Follows, where its new offers show up as they land.

The catalog refreshes every couple of days. New offers are added, and offers that have expired or been pulled by the issuer drop out of search and off the merchant pages.

Tell us. Wrong brand names, a merchant filed under the wrong category, a cash back percentage that does not match the issuer's own wording — all of it is worth reporting, and merchant data corrections are quick for us to make.

Either no issuer is currently running an offer for that brand, or the offer is a local one. We only publish offers that are available nationally, so a deal limited to a handful of locations is deliberately left out rather than shown to people who cannot use it.

Both live in your account settings, along with your display name.

Account settings has a delete option that removes your profile along with your wallet, saved offers and follows. If you would rather we did it for you, email us and we will take care of it.

Every email we send carries an unsubscribe link, and unsubscribing does not close your account or touch your saved offers.