maximize rewards.
minimize effort.

Qard stores your cards and instantly picks the best one for every purchase—so you earn more with zero effort.

set it and forget it. we select the best card for every purchase in REAL-TIME, maximizing your rewards with zero effort

our AI ensures you get the highest rewards rate for every transaction, making your money work harder

automatically opt-in to new rewards and credit card perks as soon as they're released

the cost of missed opportunities

$130B

in credit card interest and fees charged to consumers in 2022

70%

of cardholders have unused rewards waiting to be redeemed

$2,000+

potential annual rewards from everyday spending

47%

of Americans believe they're missing out on better card rewards

$1.18T

total US credit card debt and growing