Cardzen
Cardzen helps multi-card holders maximize their credit card rewards and never miss an expiring credit.
Our verdict
Who it's for
Maximize credit card rewards and track expiring credits
Who should look elsewhere
Does not connect to bank accounts, so actual spending and balances are not tracked automatically.
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.
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
| Plan | Price | Billing | Notes |
|---|---|---|---|
| Free | — | month | Unlimited cards; Full card catalog with benefits and reward rates; AI chat for card recommendations |
| Pro | $2 | month | Everything in Free; Credit and benefit tracking with expiring-credit push reminders; AI actions: update credits right in chat |