baku

Premium credit cards pay you back through credits that reset on different schedules: monthly, quarterly, twice a year, by calendar year, by card anniversary. baku keeps the whole portfolio in one place and knows when each credit resets, so nothing lapses on the last day of the month.

With baku connected, you can:

• Ask what is left to use and by when, across every card or for one card or one person in your household.
• Ask what expires before a given date, or what was left at the end of a past month.
• Say you used a credit and have it recorded, in full or for a partial amount.
• Undo an entry that was recorded by mistake.

What it can reach is deliberately narrow. baku never connects to your bank or card accounts and holds no card numbers, credentials, or transactions; it knows which cards you hold and what you have recorded. A connected assistant can read your credits and record or undo their use. It cannot add, edit, or remove cards.

You need a baku account with your cards added at usebaku.com. You approve the connection with your baku sign-in.

Try:

• "What card credits do I need to use before the month ends?"
• "I used my $15 Uber Cash on dinner tonight."
• "Which credits on my Sapphire Reserve are still unused this year?"

Credit amounts and rules come from baku's catalog and can differ from your account. Confirm details with your card issuer.