The smartest cardat every checkout

CardNeuro detects where you are, picks the highest-earning card, and opens Apple Wallet directly to it. In under 2 seconds.

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9:41
Good morning,
CardNeuro
A
🛒
Whole Foods Market
Grocery · MCC 5411
● DETECTED FROM GPS
BEST CARD FOR THIS PURCHASE
BEST MATCH
Amazon Prime Visa
Chase · •••• 1234
5%
Cash backat Whole Foods
Est. earn: $3.37
No annual fee
OTHER OPTIONS
Amex Gold
Amex · •••• 9999
4× grocery
Sapphire Reserve
Chase · •••• 5678
1× base
Citi Double Cash
Citi · •••• 3333
2% back
My Cards
5 cards · all active
VISA
Amazon Prime Visa
Chase
•••• 1234
5% WF
2% dining
$64.30
this month
VISA
Sapphire Reserve
Chase
•••• 5678
3× travel
3× dining
$51.00
this month
AMEX
Amex Gold
American Express
•••• 9999
4× dining
4× grocery
$27.90
this month
MC
Citi Double Cash
Citi
•••• 3333
2% all
$5.68
this month
VISA
Costco Visa
Citi
•••• 7777
4% gas
3× dining
$4.32
this month
Add a card
Payment Due Dates
3
DAYS
Amex Gold
Due May 2 · $1,247.80
Min: $35.00
Due Soon
8
DAYS
Sapphire Reserve
Due May 7 · $2,340.00
Min: $47.00
Coming Up
18
DAYS
Amazon Prime Visa
Due May 17 · $847.32
Min: $25.00
On Track
Activity
All transactions
Missed Rewards — $22.40
✈
United Airlines · $340.00
Paid Amex Gold (1×) · Use Sapphire for 3×
−$6.80
✈
Delta Airlines · $520.00
Paid Citi (2%) · Use Sapphire for 3×
−$15.60
All
Groceries
Dining
Travel
Shopping
Total this month
$2,847.09
Insights
April 2026
‹
April 2026
›
Total Spent
$2,847
▲ 8% from March
$153
Rewards earned
$34.80
Missed
5
Cards used
$2,847total
Dining
18 transactions
$1,247
Travel
6 transactions
$860
Groceries
14 transactions
$643
Shopping
11 transactions
$287
Total Earned — April 2026
$153.20
Across 5 cards · vs $118.40 using 1 card
+$34.80
Extra by optimizing
$34.80
Left on table
Amazon Prime Visa •••• 1234
$64.30
$48.20 Groceries
$10.60 Amazon
Sapphire Reserve •••• 5678
$51.00
$40.50 Travel
$10.50 Dining
Alerts
4 items need attention
2
Payments due soon
2
Missed rewards
Payment Due
💳
Amex Gold payment due
$1,247.80 balance due May 2. Pay in full to avoid interest.
3 days away
Pay Now
3
DAYS
💳
Sapphire Reserve due soon
$2,340.00 balance due May 7. Schedule payment now.
8 days away
Schedule
8
DAYS
Missed Rewards
✈
$6.80 missed on United Airlines
You paid $340 with Amex Gold (1×). Sapphire Reserve gives 3× on travel.
Apr 27 · Amex Gold •••• 9999
Set Travel Rule
✈
$15.60 missed on Delta Airlines
You paid $520 with Citi (2%). Use Sapphire Reserve for 3× travel.
Apr 23 · Citi Double Cash •••• 3333
Set Travel Rule
Pay
Cards
Activity
Insights
Alerts
4
$600
Average rewards left unclaimed yearly
5×
Cards tracked simultaneously
< 2s
Time to best card recommendation
12K+
US & Canada banks via Plaid
100%
Read-only · your money stays safe
$600
Average rewards left unclaimed yearly
5×
Cards tracked simultaneously
< 2s
Time to best card recommendation
12K+
US & Canada banks via Plaid
100%
Read-only · your money stays safe
9:41
My Cards
5 cards · all active
VISA
Amazon Prime Visa
Chase
•••• 1234
5% WF
2% dining
$64.30
this month
VISA
Sapphire Reserve
Chase
•••• 5678
3× travel
3× dining
$51.00
this month
AMEX
Amex Gold
American Express
•••• 9999
4× dining
4× grocery
$27.90
this month
MC
Citi Double Cash
Citi
•••• 3333
$5.68
this month
Add a card
Payment Due Dates
3
DAYS
Amex Gold
Due May 2 · $1,247.80
Due Soon
8
DAYS
Sapphire Reserve
Due May 7 · $2,340.00
Coming Up
18
DAYS
Amazon Prime Visa
Due May 17 · $847.32
On Track
Pay
Cards
Activity
Insights
Alerts
4
02
My Cards

Your whole portfolioin one view

Every card you own, how much it earned this month, and exactly when payments are due — colour-coded by urgency.

Up to 5 cards tracked
Add your entire portfolio. Reward rates are pre-loaded from our database — no manual entry required.
Live monthly earnings per card
See which card is performing best this month, in real dollars, pulled from your actual transaction history.
Payment due dates from your bank
Synced directly via Plaid — statement balance, minimum payment, and days remaining. Red, amber, green urgency.
03
Activity

Every transaction.
Every card.One feed.

Your combined transaction history across all cards, with missed reward alerts surfaced right at the top. Searchable, filterable, downloadable.

Missed rewards flagged automatically
"You paid $340 at United with Amex Gold. Sapphire Reserve would've earned $6.80 more." Never miss the same mistake twice.
Search and filter in real time
Find any merchant across any card instantly. Filter by Groceries, Dining, Travel, Shopping, and Gas.
Download 6-month statement
Export as PDF or CSV. Choose which cards to include. All transactions, one file, accountant-ready.
9:41
Activity
All transactions
Missed Rewards — $22.40
✈
United Airlines · $340.00
Paid Amex Gold (1×) · Use Sapphire for 3×
−$6.80
✈
Delta Airlines · $520.00
Paid Citi (2%) · Use Sapphire for 3×
−$15.60
All
Groceries
Dining
Travel
Today
🛒
Whole Foods Market
Groceries
$67.32
Amazon Prime Visa
+$3.37
✈
United Airlines
Travel
💡 Use Sapphire Reserve (3×)
$340.00
Amex Gold
missed $6.80
🍽
Nobu Restaurant
Dining
$128.50
Amex Gold
+$12.85
Total this month
$2,847.09
Pay
Cards
Activity
Insights
Alerts
4
9:41
Insights
April 2026
‹
April 2026
›
Total Spent
$2,847
▲ 8% from March
$153
Rewards earned
$34.80
Missed
5
Cards
$2,847total
Dining
18 transactions
$1,247
Travel
6 transactions
$860
Groceries
14 transactions
$643
Total Earned — April 2026
$153.20
vs $118.40 using just 1 card
+$34.80
Extra earned
$34.80
Left on table
Pay
Cards
Activity
Insights
Alerts
4
04
Insights

Know exactly what
your cards earned

Monthly spend breakdown, per-card rewards, and a side-by-side comparison of what you earned vs what a single-card user would've earned.

Spend by category donut chart
See where your money actually goes — dining, travel, groceries, shopping, gas — with transaction counts per category.
Combined rewards across all cards
Every card's contribution shown with a proportional bar. See which card is your workhorse and which is coasting.
The optimizer's edge
The green "+$34.80 extra earned" stat is the proof — that's money you earned specifically because you used the right card.
05
Alerts

Nothing slips
through the cracks

Payment due dates, missed reward coaching, and spending alerts — all in one action center. One tap to act on any of them.

Payment due reminders
7 days, 3 days, 1 day — push notifications before every card's due date. Color-coded urgency. Never pay a late fee again.
Missed reward coaching
Specific alerts: "You missed $6.80 on United Airlines — tap to set a rule so Sapphire Reserve is always used for travel."
9:41
Alerts
4 items need attention
2
Payments due soon
2
Missed rewards
Payment Due
💳
Amex Gold payment due
$1,247.80 balance due May 2. Pay in full to avoid interest charges.
3 days away
Pay Now
3
DAYS
💳
Sapphire Reserve due soon
$2,340.00 balance due May 7. Schedule your payment now.
8 days away
Schedule
8
DAYS
Missed Rewards
✈
$6.80 missed on United Airlines
Sapphire Reserve gives 3× on travel — earn $6.80 more next time.
Apr 27 · Amex Gold •••• 9999
Set Travel Rule
Pay
Cards
Activity
Insights
Alerts
4
Early users

What people are saying

★★★★★
"I had no idea I was using the wrong card for flights for two years. CardNeuro found $340 in missed rewards in the first week."
Sarah M.
Marketing director · San Francisco
Saved $340 in first month
★★★★★
"The Apple Wallet integration is magic. I tap the card, it opens Wallet on exactly the right one. I haven't thought about which card since."
James T.
Software engineer · Toronto
Earns 47% more rewards monthly
★★★★★
"Found three subscriptions I forgot about. Cancelled them immediately. Paid for the app for the next four years in one afternoon."
Priya K.
Financial analyst · New York
Cancelled $94/mo in unused subs

Start earning
what you deserve

Free to download. 5 minutes to set up.
Most users save over $300 in their first year.

Download on the
App Store
Get it on
Google Play