Free is the product.
Premium is a layer.
The complete command center is free, permanently, with no bank login required. Premium adds optional automation on top — nothing is removed from the free tier to make room for it.
No trial clock, no card required, no feature that quietly stops working.
- Unlimited cards from the curated catalog
- Credits & benefits with partial-use tracking and expiry reminders
- Annual-fee payback with keep / downgrade / cancel verdicts
- Retention toolkit — scripts, issuer odds, offer tracker
- Best card by category or merchant, plus nearby
- 5/24, issuer rules, eligibility board, signup-bonus progress
- Points portfolio, RRV / TPG / custom valuations, CPP calculator
- Transfer partners & transfer-bonus alerts
- Travel vault — certificates, elite status, lounge visits
- Widgets, Lock Screen, Live Activity, Apple Wallet pass, Siri & Spotlight
- On-device AI assistant, Face ID lock, full offline use
- Sync across your devices with Sign in with Apple
Or $6.99 a month. Everything in Free, plus the automation layer.
- Transfer bonus alerts the moment your points are worth more
- The full assistant: it acts on your wallet, not just answers
- Loyalty balances that sync themselves as you browse
- Safari & Chrome extension: best card at checkout
- Offer import and loyalty balance sync through the extension
Premium is billed through your Apple Account and renews automatically until cancelled; cancel any time in your Apple Account settings. Prices are in U.S. dollars and may vary by region — the price shown in the App Store at purchase governs.
The trial, without the trapdoor
What actually happens over seven days
No surprise charge, no email-only cancellation, no "contact support to stop billing".
Day 0 — you start
Premium unlocks immediately. Nothing is charged today.
Day 5 — Apple reminds you
Apple emails you before a trial converts. Cancelling takes two taps in Settings.
Day 7 — it renews or it doesn't
If you cancel, you drop back to the free tier with your whole wallet intact. If you don't, it's $59.99 for the year.
Free vs Premium
What's in each, line by line
If a row is ticked under Free, it stays free. That's a commitment, not a launch promotion.
| Feature | FreeForever | Premium |
|---|---|---|
| Add cards by nameCurated catalog, real card art, no linking | ● | ● |
| Credits & benefitsPartial use, derived status, expiry reminders | ● | ● |
| Annual-fee payback & retention toolkit | ● | ● |
| Best card by category, merchant & nearby | ● | ● |
| 5/24, issuer rules & signup-bonus progress | ● | ● |
| Points, valuations & transfer bonuses | ● | ● |
| Travel vault | ● | ● |
| Widgets, Lock Screen, Live Activity, Wallet pass | ● | ● |
| On-device AI assistantRuns on your iPhone, so it costs nothing to provide | ● | ● |
| OffersPreview in the app; import and activation via the extension | Preview | ● |
| Transfer bonus alertsWhen a program pays more than usual | — | ● |
| Assistant that actsFree answers questions; Premium makes the edits | Answers | ● |
| Loyalty balance syncVia the extension, as you browse | — | ● |
| Safari & Chrome extension | — | ● |
Questions
About pricing
Is the free tier really complete?
Yes. Everything that makes Cardful useful on day one — best card, credits and fees, points and valuations, 5/24 and applications, the travel vault, widgets, and the on-device assistant — is in the free tier and works without linking anything. Premium doesn't lock away the core; it layers automation on top for people who want it.
How much is Premium, exactly?
$59.99 a year, including a 7-day free trial, or $6.99 a month. Subscriptions are billed through your Apple Account and renew automatically until cancelled; you can cancel any time in your Apple Account settings. If we ever change pricing we'll say so clearly and well ahead of any renewal, and the free tier stays free.
Do I have to link a bank account?
There is nothing to link. Cardful has no bank-connection feature at all — it never asks for a banking login and never stores card numbers. Every number in the app comes from the cards, credits, and balances you enter yourself, and that is the whole design, not a limitation of the free tier.
What happens to my data if I don't upgrade — or if I cancel?
Nothing changes. Your wallet, credits, points and history stay yours on the free tier and stay synced across your devices. Cancelling Premium turns off the automation; it doesn't take your data or your cards away.
Why is the AI assistant free?
Because it runs on your iPhone using Apple's on-device models rather than a server we pay for per token. There's no inference bill to pass on, so there's no reason to charge for it — and nothing about your wallet leaves the device to make it work.
Do you make money any other way?
Referral commissions. If you choose to apply for a card through a link on this site or in Discover and are approved, Cardful may earn a commission at no cost to you. It never influences the in-app rankings, which come from the valuation engine. See the affiliate disclosure.
Start free. Keep more of what's yours.
Start free. Upgrade only if you want the tracking to run itself.
Free tier, permanently · Works fully without linking · Built for iOS 26