How rewards are counted

What Jarby estimates

Jarby estimates the points and cash back each card has earned. It works from the transactions you have imported and from the earn rates of the card product linked to that card. Jarby reconciles these figures against any program balances you record. They are estimates, not a statement from your card issuer.

How a purchase earns

A card product lists earn categories, such as dining or travel, and a rate for each. For each purchase, Jarby looks at the merchant, the merchant category code, and the category your bank gives the transaction. The most specific match sets the rate. A purchase that matches no category earns at the card's base rate.

Recount the rewards

Tap ↻ as of in the header of Rewards. The button shows the date of the figures on screen. While the recount runs, a banner reads Recounting rewards — values will update. When it finishes, a message reads Rewards updated. Changing a card's product also recounts that card.

Set the rate on some purchases

Open Rewards, choose the Cards tab, and open a card. In its transaction list, select purchases and tap Earn rate. The popover is headed Earn at.

• Card decides (default) leaves the card's own rules in charge.
• A category from the card sets that rate for the selected purchases.
• Custom rate… asks for Points per $1.

After you pick a category, choose the scope: Just these purchases, or future purchases from the same payees. Tap Apply · N, where N is the number selected. Jarby runs one recount after that. There is no Undo. A very large selection asks you to confirm first.

Read the Cards tab

Value earned and Credits cover the range you pick, 1 year or Lifetime. On a computer, each card row shows Earned and Return ¢/pt. On a phone, the return appears under the card's name as "… ¢/pt return". A card without a card product shows Identify this card. A card marked Not listed tracks no rewards.

Points are valued at a rate you can change. See How points are valued. To link a card to its card product first, see Add a credit card to Jarby.