Cardzen helps you use the cards you already carry: add supported cards, ask which one fits a purchase, and keep tracked credits and benefits in view.
What is Cardzen?
Cardzen helps you get more from your credit cards. Add your cards, ask our AI which one to use, and track your credits so you never miss a benefit.
Three things you can do:
- Get AI recommendations for which card to use
- Track credits and benefits across all your cards
- See your complete rewards picture in one place
Where to Use Cardzen
Website (available now) Cardzen runs at app.cardzen.ai in any modern browser on your phone, tablet, or computer. Sign in to access your cards, credits, and AI chat from anywhere.
iOS App Get Cardzen on the App Store: Download for iPhone. The native iOS app adds:
- Push notifications for Pro expiring credit reminders and a weekly roundup separate from the Daily Zen inside the app, plus card renewal reminders for all tiers. See Notifications
- Voice input and natural voice playback
- Native home screen access with smoother performance
Your account, cards, and credits sync automatically when you sign in to the iOS app.
Quick Setup Guide
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Sign in (30 seconds) Use Google or email to create your account.
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Add your main card (2 minutes) Open My Cards from the sidebar navigation and select Add Card. Search by name or issuer, then select the card you want. If Cardzen asks you to personalize it, you can save the requested reward details or opened date, or select Skip for now and complete them later. Cardzen initially estimates the opened date as the first of the month when you add the card. You can correct it later under Manage Card > Card timeline.
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Ask a question (1 minute) Try: "What's my best card for dining?"
For a fast category-by-category reference, open Wallet Guide. Use chat when you want advice for a specific purchase or merchant.
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Check your credits (1 minute) Go to My Credits to see what benefits you can use this month.
You're ready! Add more cards when you have time.
Your First Recommendation
Try asking:
- "What card should I use for groceries?"
- "Which of my cards has the best travel benefits?"
- "Best card for Amazon purchases?"
What you'll see:
- The recommended card and why
- Alternative options if applicable
- Tips to maximize rewards
Quick Links
| I want to... | Go to |
|---|---|
| Ask for a card recommendation | Home |
| Add or manage my cards | My Cards (sidebar navigation) |
| Scan my top tracked multipliers | Wallet Guide |
| Track my credits | My Credits |
| View credit history | All Credits |
| Set my preferences | Preferences |
| View chat history | Previous Chats |
| Manage my account | Account |
Still Stuck? Just Ask the Chat
The Cardzen chat has the full Help Center loaded as context, so you can ask it anything you would look up here and get a direct answer in seconds. It is the fastest way to find something specific.
It can:
- Pull up exactly the answer you need without making you skim a page
- Summarize a topic in plain language ("explain how credit periods work in two sentences")
- Combine help content with your own cards and credits to give you a personalized answer
- Point you to the right help article if you want to read the full thing
Try asking:
- "How do I change a card's anniversary date?"
- "What does Not Tracked do?"
- "How do streaks work?"
- "Summarize the Daily Zen for me"
Open the chat from Home or the sidebar.