The average premium cardholder leaves up to $1,500 in credits and points on the table every year. Cardzen tracks every credit, perk, and multiplier across your cards, reminds you before anything expires, and tells you which card to use for every purchase. Ask the AI advisor anything about your wallet, get a daily digest of what needs attention, and stop paying annual fees for benefits you never use.
congrats on the launch. building in personal finance too and the part that always looked like the actual hard problem here isn't the ui, it's the data. how are you pulling in credit/perk balances, is that plaid or something more card issuer specific? and what happens when an issuer quietly changes the terms mid cycle, does the user have to re-confirm or does it just drift out of sync
@raffay_sajjad Great question. The data is the hard part.
Cardzen doesn’t connect to your bank or pull transaction feeds. You add the cards you carry, then we monitor issuer changes and use advanced AI-assisted workflows to maintain the card and benefits data behind the product. Credit usage is tracked separately, so users can mark a credit used or partially used without sharing bank credentials or card numbers.
When an issuer changes terms mid-cycle, we update the underlying data rather than asking users to re-add their cards. Existing cards stay visible, and a big focus for us is making those changes clear so users understand what shifted and can act on it.
Really appreciate the thoughtful question!
@evaneckels the ai-assisted monitoring part is what i'd actually worry about more than the manual marking gal's flagging. if that's scraping issuer terms pages or something similar, what's the fallback when it misses a change instead of catching one? feels like the riskier failure mode isn't a user forgetting to log something, it's the app confidently showing a credit as still valid after the issuer already killed it
@raffay_sajjad You are right that the scarier failure is showing a credit as live after the issuer already killed it. That is the hardest part of the product and where most of our time goes.
It is not just automated monitoring. Changes run through multiple fallbacks and validation gates, and a team manually reviews card and benefit data before it lands. Users can also flag incorrect info in the app, which is how a lot of similar products stay accurate. Between those layers, no single point of failure should leave a dead credit sitting there looking valid.
Not perfect, but it is the problem we take most seriously.
@evaneckels manual review plus user flagging as the actual backstop makes sense. appreciate you actually answering instead of waving the question off. good luck with the launch
good to hear it's not pulling bank data, but that raises a different worry for me: if credit usage has to be manually marked as used, doesn't this relocate the problem instead of solving it? someone who forgets a $300 travel credit exists is, by definition, not the type of person who reliably remembers to open a separate app and log that they used it. what stops this from becoming another unused app on the home screen the same way the credit itself was an unused line item on the card?
@galdayan Fair challenge. Our answer is proactive push notifications, the app comes to you instead of waiting for you to remember it. When a credit is close to expiring you get a notification, and that same nudge is where you get reminded to mark it if you already used it. We looked hard at automatic marking, but every path ran through your email or bank account, and we were not willing to ask for that in our MVP. So notifications became the next best answer, plus you can mark a credit used by typing it in chat in a couple of seconds.
The other half is centralization. Most people carrying a few cards have no single view of every credit they are entitled to and what expires when. Cardzen puts that in one place, with the credits expiring soon and the ones you have not marked at the top of the My Credits page.
It’s a deliberate tradeoff rather than a perfect solution.
@evaneckels the push notification is what actually answers my concern, since it flips the burden from "remember to check" to "notice a notification," which most people are already better at. that's a meaningfully lower bar than a separate app you have to think to open. one follow-up on that flow specifically - if someone dismisses or ignores the expiring-credit notification, does it come back, or is that the one shot before the credit rolls off the list unmarked? asking because the failure mode you're designing around is exactly the person who'd swipe it away without reading it
The expiring credits problem is so real. Most people I talk to cannot name half the credits on their own premium cards, let alone the expiry dates. The daily digest angle is smart since the failure mode is not ignorance, it is forgetting. Congrats on the launch, Evan.
@troy_johnston Thanks Troy, really appreciate it!
love how it actually breaks down which card to use per purchase instead of just showing a generic rewards list. the expiration reminders feel like the kind of thing you don't realize you needed until you see it.