Adding Cards
Adding and managing cards manually is available on the Free plan. In Cardzen chat, supported actions such as closing or reopening a card and changing its tracking settings are available on Free. Asking Cardzen chat to add or freeze a card requires Pro.
You can add or reopen a card when you have fewer than 20 active cards. Frozen cards count as active. If you already have 20 or more, you can still see and manage the cards you have. Cards you explicitly close move to Past cards and free up an active slot.
- Open My Cards from the sidebar navigation
- Select Add Card
- Search by card name or issuer, or browse the issuer list
- Select the correct card. Cards are added one at a time, and their benefits load automatically
- If Personalize your card appears, add the requested reward choice, rewards status, or card open date and select Save
The card is already in your wallet before personalization begins. Selecting Skip for now or dismissing the setup keeps the card and discards only the unsaved setup details. You can add them later from the card's Multipliers tab or Manage Card > Card timeline.
Common Questions
- Card not found? Email us at support@cardzen.ai and we'll add it to our database.
- Wrong benefits showing? Email us at support@cardzen.ai so we can fix it.
- Have the same card twice? Only add it once. The benefits are the same.
- No personalization step? Most cards do not need additional setup, so Cardzen returns you to the previous screen after the card is added.
Card Settings
Preferred Cards
Mark a card as your go-to for specific categories.
- When to use: You always want to use a specific card for dining, travel, etc.
- How: Card details → Manage Card → Set Preferred
Freezing Cards
Temporarily exclude a card from AI recommendations.
- When to use:
- Card is in a drawer, not being used
- Considering whether to cancel
- Taking a break from a card
- How: Card details → Manage Card → Freeze Card
The card stays in your portfolio but won't appear in recommendations.
Card Timeline and Anniversary Date
The Card timeline records every period when you held the card. The opened date of a current period determines anniversary timing and how far back Cardzen treats the card as held.
January 1, 2024 is the earliest date you can enter for a new or changed start date. Cardzen preserves older dates and history already saved to your account.
- Why it matters:
- Some credits reset on your anniversary, not January 1
- Annual fee posts on this date
- Controls how far back your history goes
- How: Card details → Manage Card → Card timeline
If you close the issuer account, use Manage Card > Close or remove card > Account was closed. The card moves to Past cards with its details and eligible history intact. If the card was only added to Cardzen by mistake, choose Added by mistake instead; that permanently removes it without creating a Past card and deletes its saved Cardzen credit and streak history.
In Cardzen chat, ask for the specific timeline change or removal you want. Chat may ask once to confirm the card and change. For permanent deletion, explicitly ask to erase the saved history. If the reply is interrupted after you confirm, check the card in My Cards before requesting the change again.
Viewing Card Details
Each card has four tabs, shown in a tab bar at the bottom of the card details panel:
| Tab | What's Inside |
|---|---|
| Overview | Card showcase, description, and stats (rewards currency, annual fee, FX fee, and the current opened date or latest closed date). Overview is the default tab. |
| Multipliers | Earning rates by category (3x dining, 2x travel, etc.) |
| Credits | Monthly or annual benefits ($10 dining credit, etc.) |
| Perks | Other benefits (lounge access, insurance, etc.) |
The Overview tab is represented by its home icon (no text label) at every screen size, while Multipliers, Credits, and Perks always show their full labels.
Past cards use the same four-tab detail view. Current recommendations and active-wallet actions are off, but you can review card benefits, edit preserved tracking preferences, and manage the Card timeline.