We help UK credit card users discover how much money they're losing by using the wrong card
Most people are using the wrong credit card for their spending habits, leaving hundreds of pounds in rewards on the table every year. ZIGO analyses your actual spending to show you exactly how much you could be earning with the right card.
Traditional comparison sites only show you generic offers based on your credit score. They can't tell you which card is actually best for YOUR spending patterns. A cashback card that's "top rated" might be terrible for someone who spends mostly on groceries versus someone who spends on travel.
Without analyzing your actual transactions, it's impossible to know how much rewards you're leaving behind. You might be using a 0.5% cashback card when a different card would give you 3% on your biggest spending categories. That's a £500+ difference per year for many people.
Export a CSV from your bank or credit card. Takes 30 seconds.
ZIGO categorizes every transaction and calculates your spending patterns.
Discover exactly how much more you'd earn with optimised cards.
100% Private & Secure
Your data never leaves your browser. We don't store, sell, or share your financial information. Everything processes locally on your device.
Completely Free
No signup, no subscription, no hidden fees. We make money through affiliate partnerships when you choose to apply for recommended cards.
Instant Results
Analysis happens in seconds, not days. Upload your statement and immediately see personalized recommendations.
Personalized to YOU
Generic advice is useless. ZIGO analyses YOUR actual spending to find YOUR best card options.
Already have a credit card but wondering if there's something better? Find out if you're leaving money on the table every month.
Looking for your first card or considering switching? See which cards would actually maximize your rewards based on how you spend.
Serious about maximizing rewards? Use ZIGO to calculate exact break-even points for annual fee cards and compare multiple strategies.
The credit card industry in the UK is more competitive than ever, with dozens of cards offering different rewards structures. But most people stick with their first card or choose based on marketing rather than math.
We realized that the tools available to help people choose cards were fundamentally flawed. They couldn't answer the simple question: "Which card is best for me?"
So we built ZIGO to give people the same level of analysis that financial advisors use, but for free and without compromising privacy.
Our Philosophy:
Financial tools should be free, private, and actually useful. No gatekeeping, no data harvesting, no BS.
We're transparent about our business model. ZIGO is free because we earn affiliate commissions when users apply for credit cards through our recommendations.
Our Commitment:
We will never recommend a card just because it has a higher commission. Our recommendations are based purely on your spending data and which cards provide the most value for you.
Learn more in our Privacy Policy
ZIGO is more than just a calculator. We publish comprehensive, unbiased guides to help you make informed decisions about credit cards, rewards, and personal finance.
See how much you could be earning with the right credit card
TRY ZIGO FREE →No signup • 100% private • Instant results
Yes, completely free. No trial periods, no premium tiers, no hidden charges. We make money through affiliate partnerships with card issuers.
No. ZIGO works entirely in your browser without any signup or registration. Upload your statement and get instant results.
Nothing. Your data is processed locally in your browser and never uploaded to our servers. When you close the tab, everything is deleted.
ZIGO works with CSV exports from all major UK banks and credit card providers including Barclays, HSBC, Lloyds, Amex, Chase, and many others.
ZIGO analyses your actual spending patterns and calculates rewards based on published card benefits. Results are as accurate as your transaction data and current card offerings.