Maximize credit card rewards and track expiring credits
Visit WebsiteTL;DR - Cardzen
- AI suggests the optimal credit card for any purchase based on your full wallet of cards, reward rates, and active promotions.
- Tracks over 70 card credits (Uber, dining, airline, etc.) and sends expiring-credit reminders so you never lose a perk.
- Privacy-focused: no bank linking, no full card numbers, and no sharing of identifiable data with advertisers.
Pricing: Free plan available
Best for: Growing teams
3.2/5 across review platforms
What is Cardzen?
Cardzen helps multi-card holders maximize their credit card rewards and never miss an expiring credit. By simply selecting your cards from a catalog of over 70 supported cards, the AI learns every reward rate, bonus category, credit, and perk across your entire wallet. It then provides instant, actionable recommendations for which card to use at any store or spending category, considering base rates, rotating bonuses, and current promotions.
The platform also proactively tracks credits, like Uber Cash, dining credits, and airline incidentals, and sends push reminders before they expire. For Pro users, a daily morning insight (Daily Zen) surfaces what matters most that day. Cardzen is built around privacy: it does not connect to bank accounts, does not collect full card numbers or CVVs, and never sells personal financial data. Users can delete their account and data at any time.
Pros & Cons
Pros
- Set up in under 60 seconds by picking cards from a preloaded catalog of 70+ supported cards.
- Proactive credit tracking saves users from letting an average of $1,500 in credits and points expire annually.
- Completely bank-agnostic and privacy-conscious, no need to grant read access to financial accounts.
Cons
- Does not connect to bank accounts, so actual spending and balances are not tracked automatically.
- Only supports credit cards from the preloaded catalog; custom or obscure cards cannot be added.
Ratings Across the Web
3.2(5,990 reviews)
Ratings aggregated from independent review platforms. Learn more
Key Features
AI assistant answers which card to use at any store or spending category using base rates, rotating bonuses, and current promotions.Credit tracking with expiring-credit push reminders (iOS) and renewal reminders for all users.Daily Zen: a personalized daily insight highlighting a credit about to expire, a new bonus category, or an overlooked benefit.Wallet dashboard showing all cards, reward rates, credits remaining, and usage analytics.Privacy-first design: no bank account linking, no collection of full card numbers, CVVs, or login credentials.
Pricing Plans
Free TrialPricing checked Jul 29, 2026
Free
Free
- Unlimited cards
- Full card catalog with benefits and reward rates
- AI chat for card recommendations
- Wallet dashboard
- Card renewal reminders
- 70+ cards supported
Pro
$2/month
- Everything in Free
- Credit and benefit tracking with expiring-credit push reminders
- AI actions: update credits right in chat
- Daily Zen: personalized morning insights
- Credit usage analytics and annual recap
- More chats with the upgraded AI model
- Natural AI voice playback
- Priority support
Reviews
3.2/5
Across 5,990 verified user reviews on trustpilot, capterra
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Cardzen FAQ
How does Cardzen help multi-card holders avoid losing expiring credits?
Cardzen proactively tracks credits like Uber Cash, dining credits, and airline incidentals, and sends push reminders before they expire. This feature helps users avoid letting an average of $1,500 in credits and points expire annually.
How does Cardzen differ from competitors like Carrd?
Cardzen is a finance and productivity AI assistant focused on credit card rewards optimization, while Carrd is a link-in-bio tool. Cardzen offers a catalog of over 70 supported credit cards and provides actionable recommendations, unlike general link-in-bio services.
What are the main trade-offs of using Cardzen?
Cardzen does not connect to bank accounts, so actual spending and balances are not tracked automatically. Additionally, it only supports credit cards from its preloaded catalog, meaning custom or obscure cards cannot be added.
What kind of user benefits most from Cardzen?
Multi-card holders who want to maximize credit card rewards and never miss expiring credits benefit most from Cardzen. It is especially useful for users who want proactive recommendations without linking their bank accounts.
Does Cardzen include a free tier?
Yes, Cardzen offers a free tier with basic features, and paid plans are available for more usage and additional features like the Daily Zen morning insight.
How does Cardzen recommend which card to use at a store?
After users select their cards from a catalog of over 70 supported cards, Cardzen's AI learns every reward rate, bonus category, and promotion. It then provides instant recommendations for which card to use at any store or spending category.
Can Cardzen track credits like Uber Cash and airline incidentals?
Yes, Cardzen proactively tracks credits such as Uber Cash, dining credits, and airline incidentals. It sends push reminders before these credits expire to ensure users don't lose them.
How does Cardzen ensure user privacy?
Cardzen is built around privacy: it does not connect to bank accounts, does not collect full card numbers or CVVs, and never sells personal financial data. Users can delete their account and data at any time.
Source: cardzen.ai