CardWise AI - Card Rewards Advisor

Privacy-first credit card rewards optimizer. Recommends the best card to use at checkout without storing sensitive bank credentials.

Stop leaving cashback, points, and miles on the table at online checkout. CardWise AI is a privacy-first credit card rewards advisor that automatically identifies which credit card in your wallet earns the highest effective return whenever you shop online — without ever asking for bank logins, credit card numbers, security codes, or billing addresses. HOW CARDWISE AI WORKS 1. Build Your Local Wallet: Select the cards you hold from our built-in catalog of popular U.S. reward credit cards across major issuers, or add a custom card profile in seconds. 2. Shop Normally Online: When you visit an online store or checkout page, CardWise identifies the merchant category and payment network rules. 3. See Your Top Card Instantly: A clean, collapsible badge displays your highest-earning card, the exact reward rate, and your estimated dollar return on the purchase. FOUR OPTIMIZATION MODES • Balanced Dollar Value (Default): Converts points and miles into real dollar value using your customizable Cents-Per-Point (CPP) valuations so transferable points and cashback cards are compared on a true dollar-for-dollar basis. • Cashback First: Prioritizes direct statement-credit and cashback cards, using points or miles only as a tie-breaker. • Travel Points First: Prioritizes transferable travel points and airline or hotel miles ahead of cashback. • Max Raw Multiplier: Ranks cards strictly by their headline earning multiplier. 100% PRIVACY-FIRST ARCHITECTURE • Zero Financial Credentials: CardWise never asks for bank credentials, account logins, or 16-digit card numbers. • Local Browser Storage: Your selected card profiles, custom rules, and point valuations are stored locally inside your browser using chrome.storage.local. • Offline-Ready Calculator: Includes a built-in card template catalog and deterministic reward engine that works instantaneously without requiring an external account. KEY CAPABILITIES • Automatic Merchant Category Detection: Recognizes everyday online spending categories including retail, dining, grocery, travel, gas, transit, and streaming services. • Network Acceptance Filtering: Automatically filters out ineligible card networks when a merchant enforces a single-network acceptance rule. • Custom & Rotating Bonus Rules: Easily configure quarterly rotating bonus categories or merchant-specific promotional multipliers. • Live Toolbar Calculator: Click the CardWise toolbar icon anytime to compare all cards in your wallet side-by-side and calculate exact dollar earnings for any purchase total. Learn more, view the User Guide, or read our Privacy Policy at https://nimblescale.ai/CardWise