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AI-Powered Rewards Optimizer

Stop leaving money
on the table

Connect your bank account and find out exactly how much you're missing in rewards — then get matched to the cards that'll earn you the most cash back.

$847avg. annual value unlocked
43+cards analyzed
3 minto get results
Bank-level encryption
Read-only access
Powered by Plaid
We never sell your data
How it works
Three steps to better rewards

Takes under 3 minutes. No credit check required.

01

Pay & Connect

Pay $4.99 one-time and securely link your bank account via Plaid. Read-only — we can never move money.

02

We analyze your spend

Our engine maps 12 months of transactions to reward categories and calculates what you actually earned.

03

Get your recommendations

We rank the best cards for your specific spend profile and show exactly how much more you'd earn each year.

04

Apply with one click

Apply directly for recommended cards. Your whole wallet works harder.

CardIQ
↔

Connect your bank account

CardIQ has read-only access to your transaction history. We can never move money or see your login credentials.

Your credentials go directly to Plaid — CardIQ never sees your login
or
✨ Smart Recommendation Engine
Upload one or more PDF statements for a more accurate analysis. Multiple months = better recommendations.
Your statements are analyzed by Claude AI. Anthropic does not store or train on your data.
📂
Drop statements here
or click to browse · PDF files · multiple allowed
By connecting, you agree to our Terms of Service and Privacy Policy
Good morning
Your Rewards Analysis
Based on 12 months of transaction data · Chase Checking
✓ Analysis complete
Annual Spend
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Rewards Earned (Current)
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—
Max Potential Rewards
—
—
Value to Unlock
—
per year
Spend Breakdown
Your Current Card
Chase Freedom Unlimited
•••• •••• •••• 4829
Visa
Recommended for You
Cards ranked by estimated annual value based on your actual spend
Multi-Card Wallet Optimizer BETA
🔒
Coming Soon
Multi-card wallet optimization is in beta. We're fine-tuning the recommendations engine.
📋 All Transactions
Connect your bank or upload statements to see your transactions here.
Good morning
Your Rewards Analysis
Analysis complete
✓ Analysis complete
Annual Spend
—
Rewards Earned (Current)
—
—
Max Potential Rewards
—
—
Value to Unlock
—
per year
📊 Spend Breakdown
🏆 Top Recommendation
+$0/yr
additional value vs your current card
⚖️ Card Comparison
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🔓
Unlock Your Full Analysis
See which cards maximize your rewards, the best multi-card combos, and exactly how much more you could be earning.
Cards Analyzed
43
Your Potential
+$0/yr
✓ Personalized card recommendations
✓ Side-by-side comparison table
✓ Multi-card wallet optimizer
✓ Cash-back vs points value breakdown
One-time payment · $100 value guarantee or it's free
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My Wallet
Mark which cards you already own. Recommendations will only show new cards worth adding.
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Card Library
cards · data updated regularly
💡 Select up to 3 cards to compare side-by-side