Your cards.
None of the math.
Cardful keeps every statement credit, annual fee, application rule and point balance in one place — and tells you the best card to pull out, anywhere. Native on iOS. No bank login required.
Free tier, permanently · Works fully without linking · iPhone, iOS 26
fees, credits and bonus terms pre-filled — verified and date-stamped.
bank logins required. Everything works without linking.
calculation engines, each one unit-tested.
for the free tier. Permanently.
A guided pass
Four screens, four decisions
What am I leaving behind this month?
Every credit, one number, sorted by what dies soonest. Partial use counts — $17 left of $120 stays $17, until the reset.
Which card do I pull out right now?
Pick a category or search a merchant. Cardful ranks the cards you hold by what they'll really earn — and shows the reasoning.
Is this annual fee still worth paying?
Value captured minus the fee. One number, one verdict — keep, downgrade, or cancel — with the arithmetic visible.
What are my points actually worth?
Every balance in one portfolio, honestly valued — plus transfer partners, live bonuses, and a pay-cash-or-redeem calculator.
The three jobs
Built around what actually leaks value
Credits you forget. Cards you swipe by habit. Fees that renew on autopilot.
The credits you already paid for, used.
Every credit rolls on its own schedule. Cardful tracks each period, remembers partial use, and derives the status — so you never maintain it.
- Partial amounts, logged to the cent.
- Resets on Jan 1 or your card anniversary — your call.
- Reminders before a window closes, scheduled on your iPhone.
Tracked from cards you add by name. No login, no statement scraping.
The right card, without the mental spreadsheet.
Search a merchant. Cardful resolves it through Apple Maps to a real category, then ranks your wallet by what each card genuinely earns — even offline.
- Nearby mode surfaces the best card for the places around you, on-device.
- Warehouse clubs handled properly — a card the club won't accept can't win the ranking.
- Pin the winner to your Lock Screen, a widget, a Live Activity, or an Apple Wallet pass.
Point values shown are the default Frequent Miler RRV figures. Override any of them and every ranking re-sorts.
Settle the renewal with arithmetic, not vibes.
Before a fee posts, Cardful adds up what you actually captured and subtracts the fee. One number, one verdict, every line visible.
- Keep, downgrade, or cancel — with the downgrade path named where one exists.
- Retention toolkit: call scripts, per-issuer odds, and an offer tracker with spend progress.
- The travel vault feeds it: free-night and companion certificates, elite status, lounge visits.
The verdict is whichever of the three the arithmetic lands on — nothing here is a recommendation to open anything.
Worked example
No adjectives. Just the arithmetic.
Premium travel card · $795 annual fee
Renewal in 27 days · 11 months of usage logged
Only what you actually used counts as value. Negative? Cardful names the downgrade before it suggests cancelling. How the numbers are sourced →
The free tier
All of it. Free. Forever.
Not a trial. No bank connection needed.
Wallet & credits
- Unlimited cards, real card art
- Every credit tracked, to the cent
- Money on the table, one total
- Expiry reminders, on-device
- Fee verdicts + retention scripts
Spending & points
- Best card by merchant or category
- Nearby + Lock Screen + widgets
- Missed-rewards feed
- Points, honestly valued
- Transfer bonuses + CPP calculator
Applying & travel
- 5/24 + issuer application rules
- Signup-bonus progress
- Travel vault — certs, status, lounges
- Apple Wallet pass + Siri
- On-device AI assistant
Landing in the next update
Four more places value hides
Each of these plugs into the wallet you have already set up.
Rotating 5% categories
Freedom Flex and Discover it quarters, with caps, deadlines and activation tracked — and a best-card answer that's honest about what you can still earn.
Credit-limit increase reminders
A nudge when you're likely eligible to ask again — a higher limit lowers utilization without opening a card.
0% intro-APR end dates
Cardful suggests the end date from your card's own terms; reminders make sure a balance never rolls into the standard rate by surprise.
Lounge access by card
Which card opens which lounge, the guest rules, and the enrollment step that gets people turned away — feeding each card's fee payback.
Pricing, plainly
Free is a product. Premium is a layer.
Premium automates the tracking. It never takes anything away from free.
The complete command center, with no bank login required.
- Unlimited cards, credits, fees and points
- Best card, 5/24, travel vault, widgets
- The AI assistant, running on your device
Or $6.99 a month. Optional, additive, cancel any time.
- Transfer bonus alerts and the assistant that acts for you
- Loyalty balances that sync themselves as you browse
- Safari & Chrome extension: best card at checkout, offer import
No bank login. Nothing to link. Nothing to leak.
Add cards by name and everything works. Cardful has no bank-connection feature at all — we never ask for a banking login, and we never store card numbers.
There is no account to connect
Cardful uses no bank-data aggregator. Every figure is computed from what you enter, on your terms.
We never see your bank credentials
We never ask for them. There is no login flow, no stored token, and no full card number anywhere in Cardful.
On-device by default
Location for nearby best-card, the AI assistant, and every reminder all run on your iPhone. Face ID can lock the app.
Questions
Good to know
Do I have to link a bank account?
There is nothing to link. Cardful has no bank-connection feature — everything works on cards you add by name, and we never ask for a banking login or store a card number.
Is the free tier genuinely free?
Yes, permanently — no time limit, no card required. Premium is $59.99 a year with a 7-day free trial, or $6.99 a month, and only adds automation on top.
Where do the numbers come from?
A curated catalog verified against issuer pages and date-stamped — the date shows on every card's detail screen. Point values default to Frequent Miler's RRVs. The methodology page has the rest.
Which cards are supported?
A curated catalog of the cards this community actually carries — premium travel to everyday cash back — each with real card art and pre-filled fees, credits, categories and welcome terms. Browse a sample on the cards page; it grows continuously.
When does it launch, and on what?
It's live — download Cardful on the App Store today. Built natively for iOS 26, iPhone first; there is no Android build yet.
How does Cardful make money?
Premium subscriptions, plus disclosed referral commissions if you apply through a link — never influencing the in-app rankings. See the affiliate disclosure.
Stop leaving money on the table.
Every card you carry has money hiding in it. Cardful finds it — free, on iPhone.
Free tier, permanently · Works fully without linking · Built for iOS 26