Universal Rewards Visa vs Dibs

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Dibs splits a restaurant bill the way you actually ate it — by item, not by an awkward even quarter that leaves someone subsidizing everyone else's drinks. Photograph the receipt and Dibs reads it on device. Review the parsed items (the scan is best-effort, so you always get the final say), tag who had what, and Dibs computes who owes what — distributing tax and tip PROPORTIONALLY to each person's subtotal, reconciled to the exact penny. When it's time to settle, Dibs hands off to Venmo with a pre-filled request, or shares a plain-text "pay me" message for anything else. Dibs never moves money and never holds it. FEATURES • On-device receipt scanning — offline, free, nothing uploaded • Manual entry and correction — you review every item • Assign items to diners; shared and unassigned items split evenly • Proportional tax and tip, with penny-exact totals • Pay hand-off via Venmo deep link, or a share-sheet message • Local history of past splits, revisitable • Remembers people you split with for quick re-picking PRIVATE BY DESIGN No accounts. No backend. No cloud. No tracking. Every split stays on your device. If Dibs saves you the after-dinner math, there's an optional tip jar — entirely your call, and it unlocks nothing. Dibs works fully without it.