You decide and act — 8 makes sure you know what you've got. Every pound in “confirmed used” is there because you told us you used it.
Cards, tiers, work, loyalty and life — one ledger, nothing linked. £262.40 available right now.
Tap any row to open the perk — the filter below searches all 9.
No matches — try “Amex”, “gym” or “rail”.
If you are, a Blue Light Card costs £4.99 for two years and unlocks discounts at 15,000+ retailers — typically £100+/yr if you use it monthly. Eligibility is personal, so only you can apply.
8 watches expiry dates so nothing lapses without you knowing. What you do about it is up to you — and we cap alerts at two a week, so anything here cleared a value floor to get in.
Tap an action to see the detail — your totals only move when you confirm you did it.
You're booked out of Gatwick Friday morning. Ella has told her 8 she's happy to share 2 unused guest lounge passes — worth asking before you pay £35 at the door.
You've used £0 of your quarterly dining credit. 148 participating restaurants take it, and the quarter closes in six days.
The credit is quarterly and doesn't roll over — whatever's unused when the quarter closes in 6 days is simply gone.
Your £24 in vouchers is worth £48 with Tesco Reward Partners, and the boost ends this month. £30 of that covers your 26–30 Railcard when it expires next March — the rest is yours to spend.
Converted vouchers can't be converted back, and partner codes have their own expiry — check it before you swap the lot.
Your Monzo Max account includes mobile phone insurance — but a £7.99/mo standalone policy left your account on the 3rd. If you cancelled it you'd keep the cover and stop paying £95.88/yr.
Your usual Sainsbury's shop (~£62/wk) earns 5× points Friday to Sunday — about £1.24 more than the same shop on Thursday.
Logged. That took your confirmed-used total to £412 for the year.
Try a suggestion below, or type any purchase you're weighing up.
What you pay for, cross-checked against what you already get.
Each card shows what you pay vs what you already have. We show you how — you make the change.
you've told us you've cut so far — with £359.64 more sitting in the overlaps below.
UK consumers waste £1.6bn a year on unwanted subscriptions — 8 can see £359.64/yr of yours still running.
Same catalogue, lossless included. Your EE plan has included Apple Music since you upgraded in January — you've been paying for both for 7 months.
If you're on a Spotify family plan, cancelling cuts off everyone else on it — check who's attached before you do anything.
Based on your last 12 months: its LoungeKey passes only trigger on flights delayed over an hour (you had none), travel insurance is duplicated by Monzo Max, and your FX spend (£240/yr) fits Revolut's free tier limit.
Downgrading mid-term usually forfeits the rest of the paid period, and any in-progress insurance claim can be voided. Settle claims first.
Your Monzo Max packaged account already covers your phone for theft, loss and damage — so on the face of it the standalone policy is buying you nothing.
Packaged cover normally lapses the day you close or downgrade the Monzo account. If Max ever goes, the phone cover goes with it.
Your Barclaycard packaged extras already included RAC cover. You cancelled it and told us — the first entry in your cut-costs total, which now stands at £120/yr, and it's already inside “Confirmed used by you” on your home ledger.
4 people · £398 a year offered between you.
Everything here was offered deliberately by the person who holds it. Asking sends a request they can decline.
Sam wants to train at the Shoreditch site on Saturday. You've offered your 4 Plus guest passes to the bubble, so he can see they exist — approving tells him yes. Nothing is transferred: you still sign him in at the desk on the day.
Guest visits on PureGym Plus require the member present. Sam isn't household, so household-only schemes wouldn't reach him — this one isn't household-only.
Same address is the line that matters. Staff discounts, second cardholders and Avios pooling are usually household-only, and each scheme decides for itself who counts as household — 8 shows you the clause, it never asserts that you qualify.
Different address, so household clauses don't reach them. Guest passes, 2-for-1s and transferable tickets usually still work — the terms printed on each perk below say which.
Counts, not invented totals.
Up to £442 of one-off value below, plus £180/yr from household setup. Each one was switched on by the person who holds it, and none of it counts in the totals above until you use it and say so.
Household sharing permitted under partner discount terms
Guests must enter with the cardholder — travel together
Guest sharing permitted — book under her membership
Transferable — Sam books, you pay face value
BA Household Account · Clubcard second cardholder · Amex supplementary
Your bubble sees only the perks you switch on — never balances, transactions or anything else financial. 8 never passes credentials, card numbers or account access between people: you see what exists and who to ask, and the two of you sort out the rest.
Anything you're entitled to belongs in the vault — however you got it.
All of this already exists — 8 hasn't opened, added or activated any of it. This is just what's there.
These are the places offers accumulate, not offers 8 can read. Two minutes each. Whatever you find, add it to your vault and it starts counting.
They'll see only the perks you switch on — never balances, transactions or account details. They choose what they offer back.
use8.app/b/aaron-x8k2
Point ChatGPT, Claude or any MCP-aware assistant at your vault — it answers "what do I already have for this?" with your actual perks.
mcp.use8.app/aaron?key=8k-x2f4
Read-only, by design: your assistant sees entitlements, never balances or transactions, and can't act on any of them.
Coming soon — join the waitlist belowThree links you make yourself with each provider. Mark each one done and we'll count it — 8 can't set them up for you.
Pool Avios from up to 7 people at one address — reward flights come round years sooner.
Scan at the till — swipe between cards.
The long tail: perks members have reported that no issuer publishes in one place. 8 holds the list — it doesn't vouch for it.
Every entry here is unverified until several independent members confirm it. Nothing from this list counts towards your available total — adding one puts it in your vault at £0 so you can go and check the terms yourself.
No matches — try “gym”, “alumni”, “NHS” or “staff”.