Get every dollar your credit card annual fee owes you.
Credits expiring, wrong card at checkout, perks you forgot about. Cardzen catches all of it.
Earn that free flight faster
The right card at every purchase adds up quick.
Earn that free flight faster
The right card at every purchase adds up quick.
Build toward that hotel stay
More points per dollar when you use the right card.
Keep every credit you paid for
Every credit tracked before it expires.
Built for people who carry more than one credit card.
The Multi-Card Holder
You've got a few good cards but can never remember which one to pull out at checkout. Cardzen tells you instantly. No Googling, no guessing.
The Annual Fee Dreader
That moment when your $695 annual fee hits and you think... did I even use half of what this card offers? Cardzen tracks every benefit so the answer is yes, every single year.
The Frustrated Forgetter
You know your cards have credits (dining, Uber, airline) but you keep forgetting to use them. Cardzen tracks every one.
Chase Sapphire Reserve
Visa
American Express Gold
American Express
Capital One Venture X
Visa
Citi Double Cash
Mastercard
All your cards. One place. Zero chaos.
Pick your cards from our list. In under 60 seconds, Cardzen knows every reward rate, bonus category, credit, and perk across your whole wallet. No bank linking. No account credentials. No card numbers.
The right card, every time.Actionable insights included.
Ask which card to use at any store or spending category. Cardzen considers your entire wallet: base reward rates, rotating bonuses, and current promotions.
Stop paying for perks you forget to use.
Most premium cardholders miss over 50% of their available statement credits each year. Cardzen makes sure you never miss one.
Cardzen checks your wallet so you don't have to.
Each day, Cardzen surfaces what matters most: a credit about to expire, a bonus category that just started, or a benefit you didn't know your card had. No digging, no dashboards. Just one clear insight, delivered daily.
Your Freedom Flex just started earning 5x at restaurants this quarter. Time to eat well.
- You've used 68% of your card credits this month
- Amex Platinum $15 Uber credit resets tomorrow. You have $11 left.
- Your Sapphire Preferred includes a $50 annual hotel credit. You haven't used it this year.
Your data stays yours. Period.
We built Cardzen around privacy, because your financial habits are your business.
No card numbers
We never ask for card numbers, account numbers, CVVs, or any financial credentials. Ever.
No bank linking necessary
We don't need to connect to Plaid or your bank. You just tell us which cards you carry.
No 3rd-party sharing
Your data is never sold, shared with advertisers, or used to train AI models.
Delete anytime
Delete your account and all your data is permanently removed. No hoops, no dark patterns.
Loved by financial enthusiasts.
Real feedback from early users who optimized their wallets with Cardzen.
“Between building agents and working nonstop in SF, I don't have time to figure out which card to use or track expiring credits. Cardzen does all of that for me.”
Bhargav Yadivalli
AI Payments Enthusiast
“I had no idea I was leaving $200/year in Amex credits on the table. Cardzen caught it in 30 seconds.”
Marcus Chen
Holds 6 credit cards
“I used to keep a spreadsheet. Now I just pull up Cardzen on my phone. I can check my cards on the go and it's never wrong.”
Sarah Jenkins
Holds 4 credit cards
Frequently Asked Questions
Stop leaving rewards
on the table.
No bank linking. No sensitive data. Just tell us what cards you carry and start optimizing in under a minute.
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