Built for people who take credit cards seriously
Every card.
Every benefit.
Every dollar.
Know your next move. It tells you exactly what to do — and which card to swipe.
Modeled down to the last benefit —
nothing slips through.
Backed by —
Today
Wake up knowing
exactly what to do.
One feed, every kind of money move: expiring credits, transfer bonuses, free-night certificates, signup-bonus deadlines, merchant offers and annual-fee deadlines — ranked by a real urgency score, not a dumb list.
- Six opportunity types — credits, SUBs, transfer bonuses, free nights, offers, annual fees
- Urgency = value left ÷ days left — the math runs itself
- Live Activity keeps the countdown on your Lock Screen
Adobe Credit···· 0007
1 天差 $150
›
Free Night···· 0008
2 天未使用
›
Welcome Offer···· 0010
3 天差 $3.6k
›
VOY Free NightMarriott Bonvoy Brilliant Amex · 账单年 紧急
VOY
WELCOME OFFERDelta SkyMiles Reserve···· 0010
VOY
AI Card Intel
The whole churning world,
watched for you.
An AI-generated daily intel digest no other card app has: all-time-high offers, limited-time transfer bonuses and bank promos — aggregated from across the web, scored for credibility, and pushed straight to your home screen.
- ATH / limited-time / new-today tags applied automatically
- Credibility bar on every item — high / credible / unverified
- Key numbers, deadlines and sources, one tap deep
Wallet
Your cards,
beautifully stacked.
An Apple Wallet-grade stack — real card art, spring physics, haptic feedback. Tap any card to see its credits, signup bonus and points value at a glance.
- Real card art for all 234 products
- Credits, SUB progress and annual-fee math on every card
- Syncs across your devices with iCloud — privately
Tap a card — just like the app
Best-Card Engine
About to pay?
We already did the math.
One score blends your base rewards, expiring credits, signup-bonus urgency and active offers — recomputed live for every category, every day.
Points Intelligence
Know what your points
are really worth.
Every program in one ledger — balances aggregated per currency across all your cards, valued in dollars, with an AI-planned best redemption path on top.
- 14 programs, 8 accounts, one total: cash value of your whole stash
- AI best-redemption path — transfer, portal or cash, ranked by cpp
- 40+ transfer partners with real ratios and limited-time bonuses
EX
+3 · 6 cards
+3 · 6 cards
1 card
Command Center
Credit, fees, earnings, bills —
one cockpit.
The numbers a churner actually watches, computed live from your own data — never estimated, never someone else's average.
Utilization history with 30% / 50% guardrails — across every card, 19 in one view.
Platinum Card
1 day
$895 to go
Every fee gets a countdown and a break-even bar — keep-or-cancel becomes a 5-second decision.
Rewards earned minus fees paid, charted weekly — with period-over-period comparison once history accrues.
Statement and due dates synced from Plaid liabilities, with reminders pushed to your calendar.
Autopilot
You spend.
It keeps score.
Bank sync that never double-counts
Plaid incremental sync pulls new transactions from 12,000+ banks, matches them to credits and signup bonuses, and updates every progress bar — without you opening the app.
Email scanning that stays on your phone
Approvals, denials, bonus-posted and retention offers — parsed from Gmail or iCloud with on-device pattern matching. Your inbox never touches our servers.
AI Copilot
An expert who knows
your exact wallet.
Not a generic chatbot. It reads your cards, credits, SUB progress and points balances through live tool calls — then answers like a churning veteran.
- “Which card for steakhouse tonight?” — answered with your cards
- Reconsideration scripts after a denial
- Transfer-and-redeem plans for your actual balances
Pricing
Start free.
Go Pro when it pays for itself.
Recover one annual fee and Pro has paid for the year. The math isn't subtle.
Everything you need to stop leaking value.
- All your cards, benefits & points — tracked
- Today's action list & expiry alerts
- Best-card recommendations
- Bank sync via Plaid
- 3 AI questions a day
For people who run a real wallet.
- Everything in Free
- Unlimited AI assistant & daily briefings
- Full net-earnings & annual-fee ROI
- AI card intel, every day
- Priority alerts & Lock Screen widgets
Cancel anytime. No ads, ever.
Security & Privacy
Your money is your business.
Literally — we can't see it.
On-device first
Transactions, cards and progress live in SwiftData on your iPhone. Email parsing runs locally.
Your iCloud, not our cloud
Cross-device sync goes through your private iCloud (CloudKit). We never hold a copy.
Zero stored transactions
Our servers store no transactions, no balances, and no financial records.
FAQ
Questions, answered.
Is my financial data safe?
Your transactions, cards and progress live on your iPhone and sync only through your private iCloud. Our servers store no transactions or balances. Bank connections run through Plaid with bank-level encryption.
Is CardCompass free?
Yes — tracking your cards, benefits and points is free. Pro unlocks the unlimited AI assistant and deeper analytics.
Which cards and banks are supported?
234 US credit cards are fully modeled, and bank sync runs through Plaid (12,000+ banks). You can also add any card manually.
Do I have to connect my bank?
No. You can add cards and track everything by hand. Connecting a bank is optional — it just lets CardCompass match transactions to benefits automatically.
How does the AI assistant work?
It reads your wallet through a secure backend to answer in context. That context is held in memory only and discarded within minutes — never stored.
Is there an Android version?
iPhone only for now (iOS 17+), so it can use SwiftData, iCloud sync and Lock Screen widgets natively.
Stop leaving money
on the table.
Free to start. Works in English, 简体中文, 繁體中文, 日本語 and 한국어.
Download on the App StoreiOS 17 or later · iPhone