1,551 real credit cards loaded

Know the right card before you pay.
CCAI picks the best card in your wallet.

Add your cards by name. When you are about to pay, CCAI tells you which one of them earns the most right here, and why. No bank login, no card numbers.

⬇ Download on the App Store⬇ Get it on Google PlaySee how it works →
1,551
Credit cards in the catalog
84
With reward rates we verified
Names only
No bank login, no card numbers
STARBUCKSDining
Use this cardBest of 6
American Express® Gold Card
AMEX
4×points
vs Citi Double Cash 2%+$2 per $100
Rates verified July 2026
The actual answer screen. Comparison at our 1.0 cent per point floor, from rates a person verified against each issuer.
How it works

Three steps to the right card

No bank login. No card numbers. Add your cards by name and CCAI does the rest.

1
Add your cards

By name only. No bank login, no card numbers, nothing to connect. Takes under two minutes.

2
CCAI names the best card

At the moment you are about to pay, in the shop or on your phone. One card, and the reason it won.

3
Use it, and see what you earned

Every pick is kept, so you can look back and see what choosing well was actually worth.

Behind step two, the comparison CCAI runs across every card you hold:

Groceries
About to pay $80.00
Use this one
  • Your grocery card4% back$3.20
  • Your travel card2% back$1.60
  • Your everyday card1% back$0.80
$2.40 more on this one purchase, for reaching for a different card. CCAI does that maths before you pay.Example. CCAI uses the cards you actually add and the rates we verified.
Features

Built for the moment
you reach for a card

The pick
✨
The right card, at the till

Tell CCAI where you are about to spend and it names one card from your own wallet, with the earn rate behind the answer. No list to read, no guessing.

Coverage
🗂
1,551 cards in the catalog

Every card in the CFPB survey, with its issuer, APR and fees. Search it, compare two cards, or look up the one in your hand.

Verified
🔎
84 cards with verified rates

A person read those rates off the issuer's own page and recorded the source and the date. A rate never changes without a human approving it, and we do not guess at the rest of the catalog.

84 with verified rates1,551 in the catalog
Privacy
🔐
No bank connection

CCAI never asks for a banking login or a card number. You add your cards by name, and that is all it ever holds.

Payoff planning is included, for when you carry a balance.

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Know the right card, every time

$3.99 a month or $29.99 a year. Founding members get their first 12 months free. No bank login, no card numbers.

Download on the
App Store
Also on Google Play →