Get every dollar your credit card annual fee owes you.

Credits expiring, wrong card at checkout, perks you forgot about. Cardzen catches all of it.

flight_takeoff

Earn that free flight faster

The right card at every purchase adds up quick.

Know what every card can do for you.

Compare rewards, track credits and benefits, and get answers about the cards you already carry.

At checkout

Your wallet, ranked for this purchase.

Cardzen compares the cards you already carry and names one winner. The runners-up stay visible, so the choice is never a mystery.

Dining3 cards compared
  1. Amex GoldUse this
    4x
  2. Sapphire Reserve
    3x
  3. Venture X
    2x

Before the month ends

Every credit in sight until it's used.

Cardzen keeps each credit visible until you use it. No spreadsheet required.

Uber CashAmex Gold
$10monthly
  1. Aug 1
    Available$10 ready
  2. Aug 24
    Reminder7 days left
  3. Aug 29
    Used$10 captured
Chase Sapphire Reserve

Chase Sapphire Reserve

Visa

American Express Gold

American Express Gold

American Express

Capital One Venture X

Capital One Venture X

Visa

Citi Double Cash

Citi Double Cash

Mastercard

All your cards. One place. Zero chaos.

Add the cards you carry. Cardzen loads supported rewards and benefits so you can inspect your wallet and ask what fits next.

Ask which card fits. See the reason.

Ask about a store, category, or purchase. Cardzen compares supported information across the cards in your wallet and recommends a card to consider.

Which card at Costco?
Chase Freedom FlexChase Freedom Flex
How can I maximize my Amex Platinum this quarter?
Amex PlatinumUber Credit
$0 / $15
Uber Credit5 days
$10 leftof $20
Dining Credit12 days
$15 leftof $20
Streaming Credit
$15 leftof $15
Airline Credit
$0 leftof $200
Cardzennow

Your $15 dining credit expires tomorrow.

Stop paying for perks you forget to use.

Track supported credits and benefits, see what is unused or nearing a deadline, and get notifications on your phone. Keep the important parts of your wallet in view.

Cardzen checks your wallet so you don't have to.

Each day, Cardzen surfaces what matters most: a credit about to expire, a bonus category that just started, or a benefit you didn't know your card had. No digging, no dashboards. Clear insights, delivered daily.

Daily Zen
Daily Zen

Your Freedom Flex just started earning 5x at restaurants this quarter. Time to eat well.

  • You've used 68% of your card credits this month
  • Amex Platinum $15 Uber credit resets tomorrow. You have $11 left.
Generated 8:30am

Useful before you link anything.

Add the cards you carry. No full card numbers or bank connection required.

Never collected

  • No card numbers

    Cardzen doesn't collect full card numbers, CVVs, bank account numbers, or bank login credentials.

  • Works without linking a bank

    Start manually, and keep any future connection optional.

Always yours

  • Your financial data stays private

    We never sell your personal financial details or share identifiable data with advertisers.

  • Delete anytime

    Delete your account and all your data is permanently removed. No hoops, no dark patterns.

Less wallet admin. More certainty.

Between shipping AI agents and working nonstop in SF, I never had time to track which credits were expiring. Cardzen caught $120 in Amex credits in my first week, and now just tells me which card to use at checkout.

Bhargav Y.AI Payments Enthusiast

I have five cards and used to track them in a spreadsheet. That fell apart in two weeks. Cardzen just keeps everything straight for me.

Candice D.Casual cardholder

Use Cardzen in ChatGPT or Claude.

Connect your Cardzen account to ChatGPT, Claude, or another compatible assistant through Cardzen's secure MCP server. Setup guides

ChatGPTClaudeOther MCP assistants

Frequently Asked Questions

Make the wallet you already have
easier to use.

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