Free to start.
Premium when you want more.
The complete command center is free, forever, with no bank linking. Premium adds an optional layer of automation and intelligence — and it's coming.
The whole core app. No bank link, no catch.
- Unlimited cards from the curated catalog
- Best card at checkout, ranked by your wallet
- Credit & benefit tracking with expiry reminders
- Points portfolio & cents-per-point calculator
- Annual-fee & keep-or-cancel guidance
- 5/24 status & sign-up-bonus tracking
- Offers feed across all your cards
- Home & Lock Screen widgets
- Cross-device sync with Sign in with Apple
Everything in Free, plus an optional automation layer.
- Optional secure account linking for automatic updates
- One-tap "activate all" offers via browser extension
- Spend analysis: earned-vs-missed on every swipe
- An optimization score for your whole wallet
- AI assistant grounded in your own cards & points
- A next-card advisor for your application strategy
Premium is in development and not yet available. Free will always remain a complete, useful product on its own — Premium is purely additive, and bank linking is always optional.
Free vs Premium
What's in each
| FreeAt launch | Premium (soon) | |
|---|---|---|
| Add cards by name (no linking) | ● | ● |
| Best card at checkout | ● | ● |
| Credit & benefit tracking + reminders | ● | ● |
| Points portfolio & CPP calculator | ● | ● |
| 5/24, applications & sign-up bonuses | ● | ● |
| Offers feed & widgets | ● | ● |
| Optional secure linking & auto-sync | — | ● |
| One-tap activate-all offers | — | ● |
| Spend analysis & optimization score | — | ● |
| AI assistant & next-card advisor | — | ● |
Questions
About pricing
Is the free tier really complete?
Yes. Everything that makes cardful useful day one — best card, credits, fees, points, 5/24, offers, widgets, and sync — is in the free tier and works with no bank linking. Premium doesn't lock away the core; it layers automation on top for people who want it.
How much will Premium cost?
We haven't set a price yet. Premium is still in development. When it's ready we'll share pricing clearly and well ahead of any change — and the free tier stays free.
Will I ever be forced to link a bank?
Never. Linking is an optional Premium convenience for automatic updates. Every feature has a fully-functional, no-link path, and that will always be true.
What happens to my data if I don't upgrade?
Nothing changes. Your wallet, credits, points, and history stay yours on the free tier, synced across your devices.
Start free. Keep more of what's yours.
Get on the early-access list and be first in when cardful launches.
Get early accessFree to start · Privacy-first · No bank linking