Cardzen: Credit Card Rewards
Get more from every card
Only for iPhone
Free · In‑App Purchases
iPhone
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 credit cards, optimized.
You carry multiple credit cards. But do you actually know which one to pull out at the grocery store? At the gas pump? Booking a flight? Cardzen does.
Cardzen is an AI-powered credit card assistant that analyzes your entire card wallet and tells you the best card to use for every single purchase. No more guessing. No more leaving points on the table.
HOW IT WORKS
1. Add your credit cards to your Cardzen wallet
2. Ask anything, like "Which card should I use at Whole Foods?"
3. Take action with commands like "Mark my dining credit as used"
4. Get insights like "Have I been doing a good job using my Amex Gold credits?"
5. See which credits are expiring soon, with the most pressing ones always front and center
KEY FEATURES
• Smart Recommendations: tells you the optimal card for every spending category based on your full lineup
• Credit Tracking: see which credits are expiring soon, sorted by urgency, and mark them as used right in the chat
• Actions in Chat: say "mark my airline credit as used" or "add a new card" and it's done instantly
• Stats and Insights: ask "how am I doing on my Amex Gold credits?" and get a full breakdown of your usage
• Your Wallet: all your cards, benefits, and reward rates in one clean dashboard
• Daily Zen: personalized daily insights to help you get more from your cards
• Reminders: opt-in iOS notifications nudge you before a Pro statement credit expires, with free card renewal reminders for everyone
WHY CARDZEN?
The average cardholder leaves $120+ in unused statement credits every year. For premium multi-card holders, it adds up to hundreds. Forgotten airline credits. Wrong card at the wrong store. Expired perks. Cardzen fixes all of that. Your dashboard shows the most pressing credits first, and the AI tells you the right card every time.
BUILT FOR CARD ENTHUSIASTS
Whether you carry 3 cards or 15, Cardzen understands the nuances of every rewards program, bonus category rotation, and statement credit cycle. Ask it questions, tell it to update your credits, or ask how you have been doing. It handles recommendations, actions, and insights all in one conversation. It is like having a credit card expert in your pocket.
PRIVACY FIRST
No bank linking. No card numbers, CVVs, account numbers, or financial credentials. You just tell Cardzen which cards you carry. Cardzen uses Google Gemini, OpenAI, Google Cloud Text to Speech, and LangSmith to power AI features and AI quality monitoring. Your data is never sold, shared with advertisers, or used to train their models.
PRICING
Cardzen is free to download and use. Pro subscriptions unlock credit tracking, AI actions, Daily Zen insights, analytics, natural AI voice playback, and the upgraded AI model.
Pro Monthly: $3.99/month
Pro Yearly: $29.99/year
First-time subscribers get a 1 month free trial. Trial automatically converts to a paid subscription unless cancelled at least 24 hours before the end of the trial period.
Payment will be charged to your Apple ID account at confirmation of purchase. Subscriptions automatically renew at the same price unless cancelled at least 24 hours before the end of the current period. You can manage and cancel your subscriptions in your App Store account settings.
Terms of Service: https://cardzen.ai/terms
Privacy Policy: https://cardzen.ai/privacy
This update includes bug fixes and minor improvements to make your experience smoother. Thanks for using Cardzen!
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
- 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
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Cardzen, LLC
- Size
- 20.6 MB
- Category
- Finance
- Compatibility
Requires iOS 16.6 or later.
- iPhone
Requires iOS 16.6 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Cardzen Pro Annual $29.99
- Cardzen Pro Monthly $3.99
- Copyright
- © 2026 Cardzen, LLC