Play the credit card game like a pro.
Without the spreadsheet.
Track every benefit, sign-up bonus, and annual fee across your whole wallet. Get AI-powered recommendations on the next card to apply for — personalized to your 5/24 status, Amex history, and spending profile.
Everything the card game needs, in one app.
Encrypted Vault
AES-256-GCM over every card number, CVV, and billing detail. Reveal on demand with password re-auth.
Benefit Tracker
Never lose another Uber Cash, airline credit, or dining credit. Period-based tracking with expiration alerts.
Next-Card AI
Claude-powered recommendations filtered by your 5/24, Amex once-per-lifetime, spend profile, and AF tolerance.
Education Hub
30+ guides covering every rule in the game — 5/24, 2/90, Amex pop-up jail, Citi 8/65, downgrade paths.
Churn Timing
Know the exact date each card is eligible to re-earn a bonus. Plus downgrade and cancel recommendations.
Two-Player Mode
Coordinate with a spouse or entity wallet. Shared-household point strategy from one dashboard.
How it works
Add your cards
Create wallet entities (personal, LLC, S-Corp). Add every card you hold — from catalog or custom.
See your gaps
Velocity counters, utilization, AF ROI, benefit usage. Know what's working and what's wasted.
Get the next move
Claude Opus ranks the best next card based on your full picture — wallet, profile, entity, history.
Why not just use NerdWallet?
| Feature | CardLeverage | NerdWallet | TPG | MaxRewards | Spreadsheet |
|---|---|---|---|---|---|
| Encrypted card vault (PAN + CVV) | ✓ | — | — | — | — |
| Benefit tracker | ✓ | — | — | ✓ | — |
| 5/24 + Amex velocity counters | ✓ | — | — | — | Manual |
| Personalized next-card AI | ✓ | Articles | Articles | — | — |
| Churn & downgrade timing | ✓ | — | Articles | — | Manual |
| Multi-entity (personal + business) | ✓ | — | — | — | Manual |
| Education hub | ✓ | ✓ | ✓ | — | — |
| Not selling you a card | ✓ | Affiliate | Affiliate | Affiliate | — |
FAQ
Is my data safe?
Every sensitive field is encrypted with AES-256-GCM before it touches the database. Reveal requires re-entering your password and every reveal is logged in an audit trail.
Do you store my CVV?
Only if you choose to. CardLeverage is a personal vault, not a payment processor. Masked by default, 60-second auto-hide on reveal, rate-limited, and every access is logged.
Is this free?
The beta is free. Future plans: freemium with unlimited cards + vault access on paid tier. Never any ads, never selling your data.
Do you push affiliate cards?
No hype. The recommendation engine ranks by actual value to you — not by who pays the biggest commission.
Can my spouse share a wallet?
Yes. Create a wallet entity for your spouse and track authorized-user cards. Shared-household mode coming soon.
What about Plaid auto-sync?
Planned for Phase 2. For now balances and SUB spend are entered manually — a small friction for a meaningful privacy win.
Which issuers do you support?
The catalog seeds 80+ of the most popular 2026 US cards across Chase, Amex, Citi, Cap One, Discover, Bilt, Apple, Wells Fargo, US Bank, BoA, Alaska, Barclays, and common store cards. Add custom entries for anything missing.
iOS app?
PWA installable today. Native Capacitor build is on the Phase 2 roadmap.