We built the tool
we couldn't find.
Premium cards are financial instruments — thousands of dollars in credits, perks and earnings, deliberately scattered across renewal windows and fine-print rules. Most cardholders capture less than half. CARDIER exists to close that gap — permanently.
The origin story
It started with an Amex Platinum and a creeping feeling that something wasn't adding up. $695 a year in fees — and a muddy, uncertain sense of whether it was actually worth it.
The benefits were real. A $200 airline fee credit here. Lounge access there. A $200 hotel credit that required booking through a specific portal on specific properties. A $189 CLEAR credit. An Equinox credit that demanded a premium membership tier. None of it was obvious. None of it was tracked anywhere.
So we started a spreadsheet. Then the spreadsheet got complicated. Then a second card joined the wallet. Then a third. The spreadsheet became a part-time job.
We looked for something better. We found loyalty point dashboards, cashback trackers, and aggregators that required handing over bank credentials. None of them answered the one question that actually mattered: am I getting what I'm paying for?
So we built CARDIER.
Help every premium cardholder
capture the value they already paid for.
Premium cards aren't scams. They're genuinely valuable tools — but only for the people who know how to use them. That knowledge gap is what banks count on. Complicated benefit structures, category restrictions, enrollment deadlines, and portal-specific quirks add up to billions in unclaimed credits every year.
CARDIER is a private, local-first intelligence layer that sits between you and your cards. It knows what each card offers, tracks what you've used, flags what's expiring, and tells you which card to reach for at every purchase. No bank connections. No selling your data. No complexity.
Just clarity.
Three principles we
won't compromise on.
Privacy first, always
Your financial profile stays on your device. We never ask for bank credentials, never read transactions, never sell data. Your information is not our product.
Clarity over features
Every feature we add must answer a question a real cardholder is actually asking. We'd rather do five things exceptionally well than fifteen things adequately.
Honest math
We don't inflate benefit values or cherry-pick numbers to make your portfolio look better than it is. If a card isn't paying off, we'll tell you.
A note from the founder
I spent years in the tech and finance world watching incredibly intelligent people leave thousands of dollars on the table every year — not because they were careless, but because the system was deliberately complex. Credit card benefits are designed to be impressive in marketing materials and confusing in practice.
CARDIER is my answer to that. A tool I would have paid for years ago. One that respects your intelligence, respects your privacy, and does exactly one thing: makes sure you're getting every dollar you've already paid for.
We're early. The app is good, and it's going to get much better. If you believe premium cardholders deserve better tools, I'd love for you to be part of it from the beginning.
The work happens on your phone.
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. iOS launches first, Android shortly after.
Ready to see what
you're leaving behind?
Join the waitlist and be first to know when CARDIER opens to the public.