Norte reads every card in your wallet, with no bank login and no card numbers. It does four things. See what your cards give you: every credit, benefit and protection across your cards, including the fine print you can upload from your issuer's own guide. Use it before it expires: the benefit tracker under "Track your benefits" logs credits as you use them, and Norte tells you before a period closes. Know which card to use: your Wallet ranks the best card for each category, and the Assistant answers which card to use in plain language. Get paid when something goes wrong: the Planner stores upcoming trips and purchases, the Protection Explorer shows what's covered across your cards and insurance, and Claim Prep walks you through filing.
These connect. A planned event can launch a prefilled claim, and the outcome feeds back into your wallet's recovered value. See "Can I start a claim from a plan?" below for the full flow.
See what your cards give you
- How do you know what my cards include?
- We maintain a database built from publicly available benefit guides, card terms, and issuer documentation. For deeper detail, subscribers can upload their card's benefit guide PDF and Norte will parse the fine print.
- Where does Norte get its credit card benefits data?
- We maintain our own database of credit card benefits, built from official card terms, benefit guides, and issuer documentation. We review changes every few weeks. If something looks off or a recent change hasn't been reflected yet, reach out to our support team and we'll review it within a few days.
- How accurate is the information?
- Our database is built from publicly available sources and updated regularly. For the most detailed and accurate view, subscribe and upload your card's official benefit guide PDF. Norte will read the fine print for you.
- What does the verification notice on my card mean?
- Some cards display a notice indicating that certain benefits couldn't be fully verified against an official source. This happens when a card's Guide to Benefits isn't publicly available and we rely on issuer marketing pages or third-party sources. For these cards, we recommend checking with your issuer's Guide to Benefits for the most current details. Cards verified against official documentation won't show this notice.
- How do I add a card or insurance policy?
- For cards: click "Search for a card" and start typing the name. If your card isn't in our database, you can request it. We typically add new cards within 1 to 3 days. For insurance: we have a database of annual travel insurance policies you can add directly, or you can fill out a form to store your policy information in your wallet.
- What does "Read the Fine Print" do?
- Subscribers can upload a text-based PDF benefit guide. Norte extracts specific limits, exclusions, and conditions so you see exactly what applies to you. Scanned or image-based PDFs are not supported yet.
- How does "Parse" work for my benefit guides?
- Subscribers can upload a text-based PDF of their card's official benefit guide. Norte reads the document and extracts specific limits, exclusions, conditions, and deadlines, then displays them alongside your card's benefits so you always have the fine print at your fingertips. Scanned or image-based PDFs are not supported yet.
- What is Benefits Intelligence?
- Norte combines every perk, protection, credit, and reward across your credit cards and insurance in one place, so you can see your wallet's full value, spot overlaps, and stop paying for things you already have.
Use it before it expires
- How does the benefit tracker work?
- The benefit tracker, found under "Track your benefits" in your Wallet, lets you monitor credits, perks, and rewards across all your cards in one place. Use sliders or checkboxes to log what you've used, and Norte automatically resets them on each credit's cycle, monthly, quarterly, or annually. You'll always see how much value you've captured in dollars.
- How does Norte know when a credit is about to expire?
- Norte tracks each credit's reset schedule from the issuer's terms and tells you before the period closes. Expiry alerts are free on every card you hold.
- What happens when I mark a benefit as used?
- Norte adds it to your captured total for the year and stops reminding you about that one until the credit resets.
- Why did a credit I already used come back?
- Credits reset on the issuer's schedule, monthly, quarterly or annually. When a period closes the credit becomes available again, and Norte starts tracking the new one.
Know which card to use
- How does Norte pick the best card for each category?
- In your Wallet, Norte ranks your cards by category, dining, travel, groceries, and more, using the actual earn rates stored for each card. It pulls structured reward multipliers (e.g., 3x on dining) and compares them across your wallet to surface the highest-earning card for every spending category. If a card has a promotional or limited-time bonus rate, Norte factors that in while it's active and removes it once it expires.
- Can I see what my points are worth in miles?
- Yes. Open Wallet → Perks and tap 'Calculate transfer' on any card with a transferable rewards currency (Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou, Capital One Miles, Bilt, Wells Fargo Rewards). Enter a points balance, pick an airline or hotel partner, and Norte shows the miles you'd receive at the official transfer ratio. Advanced mode lets you apply a transfer bonus and compare up to three partners side by side. Norte shows ratios, not award availability. Always confirm on the partner site before transferring.
- What is the Norte Assistant?
- The Norte Assistant is an in-app AI you can ask anything about your wallet. Which card to use for a specific purchase, whether a trip is covered, what a perk actually includes, or how a claim usually works. It answers using the cards and policies in your wallet plus Norte's verified benefits database, so the responses are grounded in your real situation.
Get paid when something goes wrong
- How does the Protection Explorer work?
- The Protection Explorer shows every protection across your cards and insurance in a single view. Filter by category, rental, travel, purchase, or emergency, to see exactly what's covered, where you have gaps, and any limitations. Everything is computed from the cards and policies in your wallet.
- What scenarios can I explore?
- Norte includes 20+ real-world "what if" scenarios: rental car stolen or damaged, flight delayed or canceled, phone dropped, medical emergency abroad, lost luggage, purchase damaged, and more. For each scenario, Norte checks your actual coverage and tells you which cards or policies apply.
- What is the Planner?
- The Planner is where you log upcoming trips, car rentals, big-ticket purchases, and events. Each entry becomes a record of what's covered by which card or policy. If something goes wrong, that same entry seeds a fully prefilled claim, so you don't re-enter dates, vendors, or amounts.
- How does the Planner compare my cards?
- When you create a plan, select any card from your wallet to instantly see its coverage details, points multipliers, and restrictions side by side. Norte pulls from your card's benefits and earn rates so you can pick the best card for each situation.
- What types of plans can I create?
- Norte supports four plan types: Travel (flights, hotels, and trips), Rental (car rentals), Purchase (big-ticket items like electronics or furniture), and Entertainment (concerts, events, and experiences). Each type surfaces the protections and rewards most relevant to that category.
- Can I start a claim from a plan?
- Yes. That's the connective tissue between the Planner and Claim Prep. Open any planned event and tap "Something went wrong?" to launch the claim wizard with dates, vendor, amounts, and the card you used already filled in. Once you've filed, mark the claim Approved (with the reimbursed amount) or Denied so Norte can show you how much you've actually recovered through your wallet over time.
- How does Claim Prep work?
- Open Claims and either pick an event from your Planner or start a fresh claim. Norte asks what happened (the incident scenario), picks the right coverage source from your wallet (a card benefit or insurance policy), and generates a personalized checklist with required documents, deadlines, contact info, and direct links to the provider's claims portal, so nothing gets missed when it's time to file.
- How does Norte pick which card or insurance covers my claim?
- After you describe the incident, Norte scans your wallet for cards and insurance policies that cover that specific scenario, then shows them ranked so you can pick the right source. If multiple cards qualify, Norte highlights the one with the strongest coverage for that incident type.
- Where do I file the claim first?
- Norte includes a short submission-order primer for every claim. For example, with a damaged rental: file with the rental company first, then your primary auto insurance, then your card's secondary coverage. Filing in the right order avoids denials and speeds up reimbursement.
- What documents do I need to prepare a claim?
- It depends on the claim type. For rental claims you'll typically need the rental agreement, photos of damage, and a police report. For travel claims: booking confirmation, receipts, and any medical reports. For purchase claims: the original receipt, photos, and a repair estimate. Norte shows the exact list for your specific card on the Requirements tab, and you can upload each item as you collect it from the Documents tab.
- Does Norte file the claim for me?
- No. Norte prepares everything you need, the required documents, deadlines, provider contact info, and direct links to your issuer's or insurer's claims portal, but you submit the claim yourself. Think of Norte as your claims prep assistant, not a claims filer.
- Can I track if my claim was approved?
- Yes. Once you've filed, open the claim and mark it as Approved (with the reimbursed amount and date) or Denied. Norte uses these outcomes to show how much value you've actually recovered through your wallet over time, closing the loop on what your benefits really earned you.
Account and billing
- Do I need to provide my credit card numbers?
- No. We use publicly available benefit guides to build our database. Just select the cards you have and Norte instantly shows you what's included.
- How does billing work?
- On the web, subscriptions are handled through Stripe. On iOS, billing goes through the App Store via Apple In-App Purchase. You can manage or cancel anytime from your account settings or Apple ID settings.
- Is my personal information secure?
- Yes. Norte never asks for bank logins or card numbers. Your data is encrypted and we never share personal information with third parties.
- Can I access Norte on mobile?
- Yes. Norte works in any browser and is also available as an iOS app on the App Store.
- How often should I update my information?
- Update whenever you get a new card, cancel a policy, or your situation changes. Norte will refresh your benefits view automatically.
Learn More
Explore the platform: How Norte Works · About Norte · Coverage Glossary
Step-by-step claim guides: Travel Insurance Claims · Rental Car Insurance Claims · Purchase Protection Claims
Contact
Email support@norteapp.io. We typically respond within 1–2 business days.