Your cards.
None of the math.
cardful tracks every credit, fee, and point across your whole wallet — and tells you the best card to swipe, anywhere. All on your iPhone. No bank linking, ever.
Built for iOS · Privacy-first · Free to start
The average power user leaves $283 on the table every month.
You carry 5–15 cards for the perks. But the perks only pay if you remember them — and no one does. The value quietly leaks out the moment you stop tracking it.
- Statement credits that expire unused — every single month.
- The wrong card swiped at dinner, missing 3x or 4x points.
- Annual fees auto-renewing on cards that stopped earning their keep.
- Points sitting in five programs, none of them counted.
Everything your wallet does
One app for the whole game
Stop juggling spreadsheets, calendar reminders, and a dozen issuer apps. cardful does the math so you stop leaving money on the table.
Best card to swipe
Tap a store or category and cardful ranks every card in your wallet by real earned value — and tells you why the winner wins.
Credits before they expire
Every monthly, quarterly, and annual credit, sorted soonest-first, with the real dollars on the line and a nudge before each one disappears.
Points, valued honestly
Every balance in one place at real cents-per-point — plus a redemption calculator that settles pay-cash-vs-redeem in seconds.
Fees & renewals
Know when an annual fee is coming — and whether the card still earns its keep, with the keep-or-cancel math laid out for you.
5/24 & applications
See your 5/24 status, a countdown to when slots free up, and minimum-spend progress on every active welcome bonus.
Offers, all in one feed
Your card offers gathered into a single browseable feed instead of scattered across a dozen issuer apps. No more hunting.
Never swipe the wrong card again.
Standing at the register? Tap the category. cardful ranks every card you actually carry by what it'll really earn — multiplier times honest point value — and flags the winner. No guessing, no app-switching.
- Ranked across your own wallet, not a generic list.
- Shows the reasoning — "4× dining ≈ 8¢ per dollar."
- Active offers flagged as a separate boost, never blended in.
Use the credits you're already paying for.
That airline credit, the dining stipend, the streaming reimbursement — they only count if you remember them. cardful surfaces every credit soonest-first, tracks partial use, and reminds you before the window closes.
- Monthly, quarterly, semi-annual, and annual — all tracked.
- Log partial use ($40 of $200) on a statement-style ledger.
- On-device reminders before each one expires.
How it works
Set up in minutes, not hours
Add your cards
Pick from a curated catalog of the cards this crowd actually carries. No logins, no linking — just tap the ones in your wallet.
See the money on the table
cardful surfaces your unused credits, upcoming fees, and total points value the moment your wallet loads.
Swipe smarter
Ask which card wins at checkout. Get nudged before credits expire and fees renew. Open it daily; keep more of what's yours.
Privacy isn't a feature. It's the foundation.
Most card apps want your bank password. cardful never does. The entire app is built to work with zero bank linking — and we never store full card numbers or banking credentials, period.
No bank linking required
The whole app runs on cards you add yourself. Linking is never required to get full value.
No credentials, ever
We never ask for, store, or transmit your bank logins or full card numbers.
On-device intelligence
Location used for nearby best-card picks stays on your phone. It never leaves the device.
How cardful compares
The whole picture, in one place
Other tools each solve a slice. cardful brings the strongest pieces together — and keeps bank linking strictly optional.
| cardfulYou're here | Automation apps | Loyalty trackers | A spreadsheet | |
|---|---|---|---|---|
| Works with no bank linking | ● | — | ● | ● |
| Best card at checkout | ● | ● | — | — |
| Every credit tracked & reminded | ● | Partial | — | Manual |
| Points valued at real cents-per-point | ● | — | ● | Manual |
| 5/24 & application tracking | ● | Partial | — | Manual |
| Modern, open-it-daily iOS design | ● | — | — | — |
| Free to start | ● | Trial | Trial | ● |
Comparison reflects common categories of tools, not specific products. Capabilities vary by app and change over time.
Pricing
Free to start. Premium when you want more.
The full command center — best card, credits, points, 5/24, offers — is free. Premium adds automation and intelligence, and it's on the way.
The whole core app, no bank link required.
- Unlimited cards from the curated catalog
- Best card at checkout & credit tracking
- Points portfolio, 5/24 & offers feed
Automation & intelligence, layered on top.
- Optional secure linking for automatic updates
- One-tap offer activation & spend analysis
- AI assistant grounded in your own cards
Questions
Good to know
Do I have to link my bank?
No — and you never will. cardful's entire core experience works from cards you add by name. We never ask for, store, or transmit bank logins or full card numbers. Optional linking is a future Premium add-on that stays strictly opt-in.
Is cardful really free?
Yes. The full command center — best card at checkout, credit and fee tracking, points portfolio, 5/24, and the offers feed — is free to use. A Premium tier with automation and intelligence is coming later; it's additive, and the free app stays a complete product on its own.
How does cardful know which card is best?
It ranks the cards in your wallet by effective value — the earning multiplier for a category times an honest cents-per-point valuation of the rewards currency. Any active offer is flagged as a separate boost rather than blended into the ranking.
Which cards are supported?
We seed a curated catalog of the cards this community actually carries and expand it continuously. You add cards by name from that catalog — issuer, fee, categories, credits, and welcome terms come pre-filled.
When is it coming, and on what platforms?
cardful is built natively for iOS and is heading to the App Store. Join the early-access list to be first in. An Android version is planned as a fast-follow.
How does cardful make money?
The app is free. When you choose to apply for a card through a link on this site and are approved, cardful may earn a referral commission — at no cost to you and with no effect on what the app recommends. Recommendations come from the valuation engine, not from who pays us.
Stop leaving money on the table.
cardful is coming to iOS. Get on the early-access list and be first in.
Get early accessFree to start · Privacy-first · No bank linking