Try Pro free for 1 month. AI tells you exactly which card to swipe for every purchase. Stop leaving rewards on the table. Cancel anytime.
Your cards come with different rewards, credits, and reset dates. Cardzen turns that complexity into the next useful decision.
WHICH CARD FITS THIS PURCHASE?
Add the cards you already carry, then ask about a store, category, or purchase. Cardzen compares supported reward rates and benefits across your wallet and recommends a card to consider. Check issuer terms for final details.
KEEP CREDITS AND BENEFITS IN VIEW
With Pro, track statement credits and card benefits, see what is unused or nearing a deadline, and get notifications on your iPhone. Daily Zen delivers personalized morning insights.
START WITHOUT LINKING A BANK
Cardzen works without a bank connection. Add cards without entering full card numbers or bank login credentials. Recommendations are not sponsored, and Cardzen does not sell your personal data. Review the Privacy Policy for full details.
FREE
• Add unlimited cards
• Explore the full supported card catalog with reward rates and benefits
• Ask which card fits a purchase
• Use your wallet dashboard and Wallet Guide
• Get card renewal reminders
• Connect ChatGPT, Claude, and compatible MCP assistants with supported card-catalog and basic wallet tools
PRO
• Everything in Free
• Track credits and benefits with expiring-credit notifications
• Take supported actions in chat
• Get Daily Zen insights
• See credit analytics and your annual recap
• Get more chats with the upgraded AI model and live web search
• Use premium voice features on iPhone
• Get priority support
• Use supported Pro MCP tools for credits, reports, statistics, and wallet updates
TRY PRO FREE
Eligible first-time paid subscribers on iOS can try Pro free for 1 month.
Cardzen provides informational guidance, not financial advice. Card details can change; verify consequential terms with the issuer.
Terms of Service: https://cardzen.ai/terms
Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://cardzen.ai/privacy
Very cool idea. Super helpful to know which card to use for different purchases. My roommate and I have chase and amex and now we choose who pays for what based on what will get the most points since we’re going to be venmoing anyways. Also, I never forget to use the perks associated with my cards. User interface is great too. Definitely recommend if you have a lot of credit cards or if you have friends with different cards than you.
Highly Recommend
Liv T. 7
I no longer forget to use my monthly credits and now know which credit card to use for what! It’s very easy to use and is very helpful. Love this!!
Helps me track credits well
Dvtgrtgdrgdtgdthfthfth
I have a few credit cards and this helps me keep track of my credits so I’m not wasting all of my $1200 in fees lol, I like that it has the card details in the app already
So easy
Joyyy0108
No need to link any bank accounts and no weird sign up process. Literally just typed in what credit cards I have
Track credits more precisely with exact dollar amounts, including cents. Credit details now have clearer Overview and Tracking views, easier period selection, and more readable progress and streak stats.
We’ve also improved iPhone drawer and keyboard behavior, polished accessibility, and clarified AI assistant setup.
Version 1.0.13
The developer, Cardzen, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Contact Info
User Content
Search History
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Purchases
Location
User Content
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More