• Share your Replay: the share is now one card sized for Stories or a text, with your benefits used, where you stand against your fees, your card of the year and your biggest single win. • Spend unlock: once you mark the $75K unlock, the benefits it unlocks log like everything else. IHG Diamond as stays, the Southwest and Shops at Chase credits as dollars, Sky Club as visits. • Costco Anywhere Visa and Robinhood Gold: the membership is no longer counted as the card's fee, so a no-fee card no longer starts the year behind. The membership still shows in Card settings. • Getting set up: every row ticks the moment you open it, and Skip hides the list if you would rather explore on your own. Have feedback? suggestions@cardroi.app

CardROI 2.0 is a facelift and customizable based on feedback we received, rebuilt around one question: are your cards earning their fees? FEWER TAPS Today shows what to use this month, what is running out, and what you have kept after every fee. Log a credit in one tap. Catch up on the whole year in one pass. REMINDERS THAT ACTUALLY HELP No more one push per benefit. A few short digests, at the time of day you choose: what is still available before the month ends, what expires in the next few days, a Sunday look ahead, and what is back each quarter. THE WHOLE PICTURE A real ROI for every card, a medal when one pays for itself, and Coverage, which shows the benefits your wallet covers once, twice, or not at all. POINTS THAT MEAN SOMETHING Balances at a glance, a rough value per point for each transfer partner, and a redemption log that tells you how good each one was. MAKE IT YOURS Five looks, light and dark, with ink or glass buttons. Also in 2.0: September card library updates for Robinhood Platinum and Chase Freedom Flex, and the same promise as always: no account, no bank linking, everything stays on your phone. Have feedback? suggestions@cardroi.app

• One-time offers like "12 months of DashPass" or "6 months of DashPass" now track month by month from the day you activate them, then close out automatically. No more resetting every January. • Card library refresh: Citi AAdvantage Executive (Aug 2026 changes), United Club and Explorer earning rates, Amex Gold refresh, CLEAR credit now $219, Delta second free checked bag, Marriott Boundless airline credit, Bilt earning corrections, and more. • The free plan now consistently tracks 2 cards: pick which 2 to keep during setup, and cards beyond 2 stay safely locked (never deleted) until you upgrade. • Fixed a clipped first letter on the points redemption tips screen. Have feedback? suggestions@cardroi.app

• 3 new cards: Southwest Rapid Rewards Plus, Premier, and Priority with current benefits including free checked bags, anniversary points, and A-List tier boosts • New points program: Southwest Rapid Rewards, with redemption benchmarks and Companion Pass insights • Cleaner Discover browsing: full card names with the issuer shown under each card • Annual fee reminders now open your Full ROI Report so you can see your card's value at a glance • Plus refinements throughout

A polish pass across the whole app: • Points: redesigned Log Redemption — a live value verdict as you type, ranked benchmark comparisons for your points, and an estimated-value field that fills itself • Number pads now have a Done button, so the keyboard always gets out of your way • Discover: search the card library by name or issuer, plus a cleaner, easier-to-scan card list • Wallet: the ROI gauge is now the default summary, benefit progress bars animate as they fill, and Edit mode makes managing cards simpler • Card library updates: Robinhood Platinum's July rework ($1,000 travel credits, WHOOP membership, Eight Sleep), updated Sapphire Lounge day-pass value • Benefit updates now reach cards already in your wallet automatically — no re-adding needed Plus small fixes throughout.