Cardful
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The app

Every feature Pricing Methodology Cardful for AI

Cards

All cards Statement credits Amex Platinum Chase Sapphire Reserve Amex Gold Capital One Venture X

Guides

All guides The 5/24 rule, explained Is the annual fee worth it? What your points are worth Transfer partners

Company

About Contact & support
Download on the App Store

The credit-card command center

Your cards.
None of the math.

Every credit, fee, point and application rule for the cards you already carry. And the right card to pull out, anywhere. Add cards by name. Nothing to link.

Download on the App Store See how it works

Free to start. No bank connection required. 85+ cards pre-filled.

Home dashboard: net this year against annual fees, $2,678 of $4,590 in unused credits, offers, a 4 of 5 slots 5/24 ring, and what is coming up. Credit detail for The Edit Hotel Credit: $500 every year, $250 used this period, 107 days left. Money tab: $101.05 recurring per month across 6 subscriptions, 3 covered by credits. Points portfolio: 1,013,350 points across 8 programs with a live transfer bonus. Sapphire Reserve fee payback: minus $184, downgrade verdict, $611 captured against a $795 fee. Offers: 7 across 3 cards worth up to $172 back, sorted by days left.

85+ cards. 18 issuers. Every fee and credit pre-filled.

Verified against issuer pages and date-stamped.

85+

cards pre-filled, premium travel to everyday cash back.

200+

statement credits tracked, each on its own reset schedule.

74

transfer partners across 19 programs.

0

bank logins. Everything works from cards you add by name.

Credits

Stop donating credits back to the bank.

Every credit rolls on its own schedule. Cardful tracks each period, remembers partial use, and derives the status. You never maintain it.

Credit detail for The Edit Hotel Credit on Sapphire Reserve: $500 every year, $250 used this period, 107 days left, resets on the calendar year.
Money on the table · September 3 expiring
$347 unused across 6 credits
$213 captured$560 tracked
Hotel credit
Sapphire Reserve · semi-annual
$250 left
of $500 · resets Jan 1
Dining credit
Amex Gold · monthly
$17 left
of $120 · resets Oct 1
Airline fee credit
Amex Platinum · annual
$200 left
of $200 · resets Jan 1

Tracked from cards you add by name. No login, no statement scraping.

Subscriptions

Every renewal, before it charges.

Subscriptions, trials and price hikes in one list and a month calendar. Cardful flags the charges a card credit already covers, and warns before a trial takes its first real payment.

Money tab: $101.05 recurring per month, $1,212.64 a year across 6 subscriptions, 3 covered by credits, with a trial ending in 5 days at the top.
Recurring per month 3 covered by credits
$101.05 $1,212.64 a year · 6 tracked
The New York Times
Trial ends in 5 days
$25
Gold's Gym
Monthly · renews in 7 days · Bilt Blue
$34
Apple TV+
Sapphire Preferred · covered by its credit
$13

Points & miles

Your points, priced honestly.

A balance is not a value. Cardful prices every program at Frequent Miler's RRVs, TPG's numbers or your own, then shows the transfer partners, the live bonuses, and whether cash or points wins the booking.

Points portfolio: 1,013,350 points across 8 programs valued at RRV, with a live Membership Rewards to Air France-KLM transfer bonus at the top.
Portfolio · 8 programs RRV
$18,442 1,013,350 points
Membership Rewards
412,300 pts · 2.00¢ · 19 partners
$8,246
Ultimate Rewards
198,450 pts · 2.10¢ · 14 partners
$4,167
Capital One Miles
86,200 pts · 1.85¢ · 18 partners
$1,595
+25% Transfer bonus · Membership Rewards → Air France-KLM, ends Oct 31. Your 412,300 points land as 515,375 miles.

Override any value and every ranking in the app re-sorts.

Annual fees

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: keep, downgrade or cancel.

Sapphire Reserve fee payback: minus $184 with a Downgrade verdict, $611 captured against a $795 fee, above the card’s credit list.

Amex Platinum · $895 fee

Renews in 27 days · 11 months logged

Illustrative
Annual feePosts after the anniversary −$895
Hotel credit capturedTwo stays, $150 each +$300
Airline fee creditLogged in full +$200
Uber Cash + digital credits$15 and $20 a month, used +$420
Points above a flat 2% cardValued at RRV +$187
Net position +$212 Keep

Negative? Cardful names the downgrade before it suggests cancelling.

Three verdicts, one answer

Keep, downgrade or cancel, with the downgrade path named.

Retention toolkit

Call scripts, per-issuer odds and an offer tracker, before you pick up the phone.

The travel vault feeds it

Certificates, elite status and lounge visits count toward the card that granted them.

How the numbers are sourced

Offers

Every offer, in one feed.

Amex, Chase and Capital One offers across every card you hold, sorted by what ends soonest. Preview them free. The Safari and Chrome extension imports and activates them.

Offers: 7 across 3 cards worth up to $172 back, $224 saved in the last 12 months, sorted by days left.
Offers · 7 across 3 cards $224 saved this year
$172 back on the table right now
Dunkin'
Gold Card · 5 days left
10% back
Blue Bottle
Gold Card · 9 days left
$5
spend $25
Hertz
Sapphire Reserve · active · 13 days left
15% back
up to $40

Best card

The right card, without the mental spreadsheet.

Pick a category or search a merchant. Cardful ranks the cards you hold by what they will really earn, and shows its reasoning.

By category or merchant

Ranked by what it earns, not by what it is called.

Merchants resolve through Apple Maps to a real category. Every card is scored the same way, so a 4× card with weak points can lose to a 3× card with strong ones.

1
Amex Gold Card Use this
4× dining · Membership Rewards at 2.00¢
8.0¢
per $1
2
Sapphire Reserve
3× dining · Ultimate Rewards at 2.10¢
6.3¢
per $1
3
Capital One Savor
3% dining · cash back at 1.00¢
3.0¢
per $1
Best card for Dining: Amex Gold Card at 4×, roughly 8.0 cents per dollar, with an Amex Offer for Blue Bottle listed separately and a Pin to Lock Screen action below.

From the Lock Screen

The answer, without opening the app.

Pin the winner to the Lock Screen, keep it in a widget, or carry it as an Apple Wallet pass.

Widgets, Lock Screen & Wallet pass

Wherever you are

It already knows where you are standing.

Nearby mode ranks the places around you, on-device. Siri answers "best card for dining" without a tap.

  • Location never leaves your iPhone. The feature is optional.
  • A card the warehouse club will not accept cannot win.
  • Offers show as a separate boost, never folded into the ranking.

5/24 & applications

Apply with the rules in front of you.

Cardful counts 5/24 the way Chase does, tracks every issuer's velocity rule beside it, and paces your welcome bonus to the deadline.

Applications: 4 of 5 Chase slots used, one free, next slot opens Nov 21 when the Venture X falls off, two sign-up bonuses in progress, and a Can I apply list per issuer.
Welcome bonus · Amex Gold Behind pace
$5,549 to go · 44 days left
$451 of $6,000$126 / day to finish
Chase · 5/24
4 of 5 · next slot Nov 21
Clear
Amex · 2 in 90 days
1 opened in window
Clear
Capital One · 1 in 6 months
Venture X opened Jul 3
Until Jan 3
Bank of America · 2/3/4
Guidance, not issuer policy
Clear

AI

Ask Siri. Ask Claude. Ask Cardful.

An assistant on your iPhone, Siri and Spotlight for the whole wallet, and with Premium a read-only line to Claude and ChatGPT. Every answer comes from your actual cards.

"Which card should I use for dinner?" "How many points do I have?" "Am I under 5/24?" "What's my best card for groceries?" "Which offers end this week?" "What should I do with my Aeroplan miles?"
SiriShortcutsSpotlightClaudeChatGPT

Connect Cardful to your assistant

Also in the free tier

Every other place value hides.

All of it plugs into the wallet you already set up. None of it costs anything.

Welcome bonuses

Your bonus, paced to the deadline.

What is left to spend, the days remaining, and the per-day pace to make it. A reminder before the window closes.

Reminders

A nudge before the window closes.

Credits resetting, fees posting, bonuses expiring. Each one a local reminder on your iPhone.

Widgets & Lock Screen

Money on the table, on the Lock Screen.

The unused total, the best card and the next expiring credit, without opening the app.

Travel vault

Certificates, status and lounges, in one place.

Free-night certificates with expiry, elite status with the card that grants it, lounge access with the guest rules. All of it feeds each card's fee payback.

Rotating 5% categories

The quarter, with the fine print.

Freedom Flex and Discover it quarters, with caps, deadlines and activation.

Siri & Shortcuts

Ask. Don't tap.

Five things you can ask Siri, answered on-device. Spotlight finds every card, credit and offer.

See every feature in detail

How privacy actually works here

No bank login. Nothing to link. Nothing to leak.

Add cards by name and everything works. There is no bank-connection feature. We never ask for a banking login and never store card numbers.

There is no account to connect

No bank-data aggregator. Every figure comes from what you enter.

We never see your credentials

No login flow, no stored token, no full card number anywhere in Cardful. Face ID can lock the app.

On-device by default

Nearby, the assistant and every reminder run on your iPhone. AI connections are read-only and revocable.

Read the full methodology & privacy breakdown →

Pricing, plainly

Free is the product. Premium is a layer.

Premium automates the tracking. It never takes anything away from free.

Always free
Free
$0forever

The complete command center. No bank connection required.

  • Unlimited cards, credits, fees and points
  • Best card, 5/24, travel vault, widgets, Siri
  • The AI assistant, running on your device
What stays free
7-day free trial
Premium
$59.99/ year

Or $6.99 a month. Optional, additive, cancel any time.

  • Connect Claude, ChatGPT and other assistants to your wallet
  • Transfer bonus alerts and the assistant that acts for you
  • Safari & Chrome extension: best card at checkout, offer import, balances that sync
See the full comparison

Questions

Good to know.

Do I have to link a bank account?

Nothing to link. Everything works on cards you add by name. 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.

Which cards are supported?

85+ cards from 18 issuers, Chase to Bilt, each with fees, credits, earning rates and welcome terms pre-filled. Browse them on the cards page. The catalog keeps growing, and any card can be added by hand.

Where do the numbers come from?

A curated catalog, verified against issuer pages and date-stamped. Point values default to Frequent Miler's RRVs. The methodology page has the rest.

What does Premium actually add?

Automation: AI-assistant connections, transfer bonus alerts, an assistant that makes the edits for you, and the Safari & Chrome extension for checkout, offers and balance sync. Line by line, here.

Stop leaving money on the table.

Every card you carry has money hiding in it. Cardful finds it. Free, on iPhone, nothing to link.

Download on the App Store

Free to start. No bank connection required. Built for iOS 27.