CardOpti Beta is Live

Your Wallet,
Fully Optimized.

Stop guessing at the checkout. CardOpti automatically selects the best card for every purchase to maximize your rewards, points, and credit score.

CARDOPTI DASHBOARD v1.0
Total Rewards YTD
$1,240.50
+12.5% vs last year
Recommended Card (Starbucks)
Amex Gold
Earns 4x Points on Dining

Compatible With

Everything you need to
master your money.

One app that unifies your financial life, optimizes your spending, and secures your data.

Smart Selector Engine

Our AI analyzes merchant category codes (MCC) in real-time. At a grocery store? We tell you to use the Gold card. Buying flights? Use the Platinum. Never miss a multiplier again.

Bank-Level Security

256-bit encryption and biometric locks keep your data safe.

Auto-Redeem

We track expiration dates and suggest the best redemption value.

1

Connect your accounts

Securely link your credit cards via Plaid or Flinks. We support all major Canadian and US banks.

2

Set your location

Enable location services or simply search the merchant you are visiting.

3

Pay with confidence

CardOpti tells you exactly which card to pull out of your wallet. Watch your rewards stack up.