Intelligent Spending · Elevated · M·M·XXVI

Never leave money
on the table again.

CARDIER tells you the right card for every transaction — so you stop losing the credit you've already earned.

See How Much You're LosingReserve Early Access — It's Free

Private beta · No bank logins · iOS & Android coming soon.

Get the app
Track what you're missing.
Download on theApp StoreGet it onGoogle Play
iOS & Android coming soon
$1,340
Est. unclaimed value / wallet a year*
$99/yr
Pro plan · free tier available
31
Premium cards supported
What CARDIER watches

While you live your life.

Expiration alerts

Your $200 airline credit expires in 18 days.

CARDIER watches every reset date across every card. The credit you'd otherwise notice on December 31 gets a real deadline — and a nudge, in time to use it.

Fee analysis

Your Platinum captured $1,149 against its $695 fee.

Every credit tracked against every fee, per card, in real dollars. See exactly which cards earn their keep and which need a downgrade decision 30 days before renewal.

Stacks & overlaps

Three of your cards carry the same lounge access.

Two Priority Pass memberships. Two airline credits. Two monthly Uber creds. CARDIER surfaces the overlaps so you can drop what's redundant — and keep the fee that earns.

The leak

Every year, the average premium cardholder may leave up to $1,340 in credits they already paid for unclaimed.*

Airline credit$200ExpiredSaks Fifth Ave$50ExpiredDining credit$1203 days leftUber Cash$15Resets soon

Unused, expired, gone — statement credits don't roll over. CARDIER captures them instead. See what your wallet is really worth:

Tap the cards in your wallet
Tune it to how you live
Nights out / week4
Trips / year6
You'd capture / year
$2,318
of $3,090 on the table across 2 cards
Net +$1,073 after $1,245 in fees
That's 75% of everything your cards offer, for how you live.
Capture it with CARDIER
What CARDIER protects

Pick a card. See the countdown.

Every premium card hides its real value behind reset windows, fragmented credits and merchant fine print. CARDIER surfaces every dollar — and how long you have to claim it. Sample wallet shown.

Amex Platinum
Annual fee$695
Available this year
$1,640
Unclaimed
$928
Captured
$712
Uber Cash · June
$15/mo · resets monthly
$154 d
Airline credit · 2026
Statement credit · select carriers
$20011 d
CLEAR+ membership
Annual · auto-applied
$18945 d
Hotel credit · FHR / The Hotel Collection
$200 · book 2 nights at qualifying property
$20096 d
Saks Fifth Avenue · H1
Captured · used Mar 14
$50✓
Digital Entertainment · spring
Captured · multiple months
$240✓
This is what CARDIER shows you daily — every credit, every countdown, every dollar still on the table.
The living wallet

Every card you carry,
held to account.

Tactile, true-to-life card objects — embossed chip, engraved finish, signature material — rendered for every card you hold. Tap any one to see exactly what it owes you.

—Each card rendered as its own object — distinct material, finish and engraving.
—Monthly, semi-annual and annual credits on one timeline.
—Each benefit valued against how you actually spend.
What CARDIER does

Four cards. One intelligent wallet.

Your cards are a financial instrument — but most people manage them like trinkets. CARDIER reads the fine print and turns the portfolio into something you can actually run.

Spend

The right card for every swipe.

At the register, CARDIER tells you exactly which card to reach for — by category, with the real effective return after points value, not just the headline multiplier.

—Best card per category — dining, flights, hotels, transit and more.
—Effective return in real cents, not marketing multipliers.
—Surfaces the credit you should be stacking on top.
Track

A running balance of what's yours.

Open any card to watch its annual fee earn itself back. Daniel's Platinum: $1,149 of $1,640 captured — already 165% of the $695 fee, with 86 days left to claim the rest.

—Every credit laid out month by month, claim by claim.
—Net value after fees, updated as you go.
—Reset countdowns so nothing slips by.
Understand

The math, made plain.

Captured, available and hidden value — split by category, charted across the year. See your peak months, what's left on the table, and exactly where each dollar came from.

—Net value per card, before you renew.
—Spending broken down: dining, travel, lifestyle, wellness.
—Year-over-year trends and a renewal worth-it score.
Decide

Compare cards, side by side.

Put three cards head to head — annual fee, every credit, lounge access, transfer partners — and let CARDIER call the best fit for how you live. No spreadsheets, no guesswork.

—Line-by-line on fees and credits that matter to you.
—A "best fit" recommendation, explained.
—Pre-qualification odds before you ever apply.
Discover

The next card, matched to you.

Browse a library of premium cards scored to your lifestyle. The Gold Card matches Daniel at 89 — "+$495 net for you" because he dines out four nights a week.

—A match score from your real spending, not a quiz.
—Honest net value — fee weighed against perks you'd use.
—Add to wallet in a tap and start tracking instantly.
The intelligence layer

CARDIER doesn't just track. It thinks.

Your cards work as a system — so CARDIER reads them as one. It finds what you're paying for twice, the gaps where money's leaking, and whether each fee still earns its keep.

Optimize

Your whole wallet, as one system.

CARDIER reads all four cards together — surfacing coverage you're paying for twice, the gaps where money quietly leaks out, and the single card that closes them.

—Overlap detection — stop paying twice for the same perk.
—Gaps quantified in real dollars, ranked by severity.
—One ranked recommendation that fills the biggest hole.
Renew

Renew or drop, backed by data.

Thirty days before each anniversary, CARDIER shows what you actually recovered against what you paid — then makes the honest call, the good and the bad alike.

—A 30-day pre-renewal alert, never a surprise charge.
—Recovered value vs. annual fee, to the dollar.
—A clear renew-or-drop verdict you can act on.
Also in CARDIER Pro

Five more ways to stay ahead.

Benefit CalendarPro
Every upcoming credit reset on one calendar, color-coded by card.
Fee AnalysisPro
Per-card and portfolio ROI — every fee weighed against value captured.
What ChangedPro
A running log of benefit changes — added, removed or modified — across your cards.
Airport LoungesPro
Which lounges your wallet unlocks at any airport, before you fly.
iOS Widgets
Home-screen widgets in three sizes — your portfolio, always on.
See it live

Tour a real dashboard — no signup.

Open a fully-loaded sample wallet and click around: portfolio value, analytics, expiring credits and your shareable Wrapped. This is the actual product, with data.

Open the live dashboard →
How it works

Three steps to your real annual value.

01

Add your cards

Pick from 31 premium cards. No bank logins, no statements — CARDIER works from each card's published benefits, read-only and private.

02

We map every credit

Each monthly, semi-annual and annual benefit lands on a single timeline, valued to the dollar against how you actually spend.

03

Capture what's yours

Check off credits as you use them. CARDIER nudges you before anything resets — so the fee always earns its keep.

Private by design

Your wallet stays yours.

CARDIER does its whole job without ever touching your bank. No credentials, no statements, no surprises — just the published benefits of the cards you tell us you carry.

No bank logins

We never ask for account credentials or read-access. You pick your cards; we do the rest from public benefit data.

Read-only & private

Your wallet and spending profile stay yours, encrypted. CARDIER calculates value — it never moves money.

Never sold, ever

No ad networks, no data brokers. Your spending habits are not a product, and never will be.

You're in control

Export or delete everything in a single tap. When you leave, your data leaves with you.

Supported cards

The wallet you actually carry.

31 premium cards across every major issuer — with new ones added as they launch.

American ExpressChaseCapital OneCitiBank of AmericaU.S. BankWells FargoJ.P. Morgan
Looking for one in particular?
Best for diningBest travel cards 2026Best for hotelsBest for Uber & deliveryBest sign-up bonusesBest business cards
The private beta

Be the first to put it to work.

CARDIER opens to a small group of founding members first. Their results — real numbers, real wallets — will live here.

What testers will see
Every unclaimed credit across your wallet, totaled in one number the first time you open the app.
What we’ll measure
Credits captured before expiry, fees covered, and the net value of every card you carry.
What happens next
Founding members keep Pro through launch — and their verdicts replace this section.
Join the founding group →
Pricing

Begin free. Move to Pro when it earns its keep.

CARDIER
Free
Everything you need to stop leaving money behind.
  • ✓Track up to 3 cards
  • ✓Optimization score
  • ✓Credit reset reminders
  • ✓Browse the full card library
Begin free
The standard
CARDIER Pro
$99/year
That's $8.25/mo — 45% off monthly.
  • ✓Unlimited cards
  • ✓Full benefit database & valuations
  • ✓Analytics, trends & renewal scores
  • ✓Compare mode & lounge map
  • ✓Benefit-change alerts
Join the waitlist

No credit card required for Free · cancel Pro anytime · early members keep Pro through launch.

Questions

Good to know.

No. CARDIER never asks for bank logins or statements. You choose the cards you hold, and we work from each card's published benefits — read-only and private by design.

Every credit, bonus and perk is valued against how you actually spend. A $120 dining credit you'd use is worth $120; one you never would is valued honestly lower. The result is your real annual value — not a marketing number.

31 premium cards across American Express, Chase, Capital One, Citi, Bank of America, U.S. Bank, Wells Fargo and J.P. Morgan — with new cards added as they launch.

CARDIER Pro is $14.99/month, or $99/year — a 45% saving. The free tier covers up to three cards forever. Early members keep Pro included through launch.

Not at launch. CARDIER is mobile-first because the core moments — checking which card to use at the register, claiming an expiring credit on the go — are mobile moments. A web companion for analytics and renewal review is on the v1.1 roadmap. See full launch status →

Never. CARDIER is private by default — your wallet, spending profile and savings stay yours. No data is sold, ever.

Why we built it

Premium cards got complicated.
We made them make sense.

Every premium card is a quiet promise: pay the fee, get more back. But that value is scattered across dozens of credits, renewal windows and fine-print rules — and most of it slips away unused. Not because people don't care, but because no one has the time to chase it.

CARDIER is the tool we wanted for our own wallets — one place that reads the fine print, values every benefit against how you actually live, and makes sure the fee always earns its keep. No bank logins. No selling your data. Just the full worth of what you already carry.

MGMauricio GuerreroFounder, CARDIER
CARDIER
Intelligent Spending. Elevated.
Your move

Start capturing.

Premium wallets may leave up to $1,340 in estimated value on the table each year* — and yours is already sitting on your cards. Get early access and claim it before the next cycle resets.

Private betaNo bank loginsiOS & Android soon

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* Figures are estimates based on published card benefit values and internal analysis. Individual results vary based on card selection and usage patterns. Numbers will be updated as data matures.