Reward optimization for real wallets

Stop guessing which card to use.

CardIQ helps you choose the best card for each purchase, track card perks you are not using, and see where your wallet is underperforming.

Why CardIQ

Built for people with more than one good card.

Best card guidance

See which card wins for dining, groceries, travel, gas, and general spend without memorizing categories.

Perk tracking

Monitor credits, offers, and annual-fee value so benefits do not expire unused.

Linked account insights

Connect your accounts to power balance monitoring, merchant matching, and spend-based recommendations.

Location-aware suggestions

Use nearby merchant and category context to make better card decisions while you are out.

Less spreadsheet, more signal

Your wallet already has value. CardIQ helps surface it.

Most people do not need more cards. They need better visibility into the cards they already have: reward rates, unused benefits, missed opportunities, and the real tradeoff behind annual fees.

Privacy and trust

Designed to coexist with secure account-linking flows.

No homepage interference with OAuth

The homepage lives at the root path. Dedicated callback routes remain reserved for account-linking flows.

Universal-link support

The site includes an Apple App Site Association file so the iOS app can continue to receive supported callback paths.

Fallback callback pages

If a browser lands on an OAuth route, the page attempts to hand control back to the app with a clear fallback action.