The full intelligence
layer. $99/year.
Pro unlocks the whole engine — every premium card supported, every credit valued against your real spend, Card Advisor at the register, Annual Review before renewal, and gap analysis across your full wallet.
The free tier covers up to three cards forever. Pro is for the wallets that earned their way past it.
No credit card required for free. Cancel Pro anytime. Early waitlist members keep Pro included through launch.
$99 vs. $1,340. One pays off in week one.
* Estimate based on CARDIER's analysis of published benefit values across the supported card library. Actual unclaimed value varies by wallet composition and usage patterns. Capturing a single missed monthly credit ($10/month dining credit = $120/year) covers the entire annual fee, with $21 left over. Most Pro members capture several. Individual results vary.
What you get, line by line.
The Free tier handles small wallets and the core moments. Pro unlocks the full intelligence layer for wallets carrying four or more premium cards.
| Free$0 forever | Pro$99/year · $14.99/mo | |
|---|---|---|
| Cards tracked | Up to 3 | Unlimited |
| Credit reset reminders | ✓ | ✓ |
| Card library & benefit overview | ✓ | ✓ |
| Full benefit database with valuations Per-credit math against your spending pattern | — | ✓ |
| Card Advisor Which card to use at every transaction | — | ✓ |
| Analytics & trends Peak-month charts, category breakdowns, YoY | — | ✓ |
| Renewal score (Annual Review) 30 days before each anniversary | — | ✓ |
| Compare mode 3-card side-by-side with best-fit recommendation | — | ✓ |
| Gap & overlap detection Pays-twice perks + missed-value gaps, dollarized | — | ✓ |
| Lounge map What your wallet unlocks at any airport | — | ✓ |
| Benefit change alerts When issuers adjust the terms, you know first | — | ✓ |
| Household sharing Share Pro with a partner or spouse · one wallet view | — | Coming v1.1 |
$99 because the alternative is worse.
No quiet bias on which card to open.
Free tools have to make money somewhere. The dominant model is affiliate links — which silently bias which cards appear, in what order, with what scoring. CARDIER takes no affiliate revenue. Pro subscriptions are the entire business model.
Your wallet isn't the product.
Other tools require bank credentials and sell aggregate spending data to issuers and ad networks. CARDIER never asks for bank logins, never sees a transaction, and never sells data. The $99 is what stays between us.
The math doesn't have a vote.
Card-recommendation sites profit when you apply. Their "value" estimates inflate accordingly. CARDIER's engine values each credit against how you actually spend — a $300 airline credit you wouldn't use is honestly worth zero. No marketing inflation in the math.
Pro, plainly.
Begin free.
Three cards on the house, forever. The fourth card is when CARDIER starts paying for itself — and Pro is waiting when you're ready.