Built for fine-print readers
Every reward,
owned.
See whether each annual fee actually pays for itself, catch every credit before it expires, and get a straight keep-or-cancel call at renewal. All without ever handing over a bank login.
- No bank login
- Your data stays in your account
- Open architecture
126
Cards tracked
19
Card issuers
$2,700+
Credits worth tracking
Works with all major US card issuers
- Chase
- American Express
- Capital One
- Citi
- Discover
- U.S. Bank
- Bank of America
- Barclays
- Wells Fargo
- Bilt
- Apple Card
- Synchrony
- Navy Federal
- USAA
- PenFed
- Fidelity
- SoFi
- Robinhood
- Imprint
Built by a credit card power user managing 15+ premium cards.
Tracking 126 cards across 19 issuers with 2026 data.
In the catalog
0
Cards, every major US issuer
Issuers covered
0
Chase, Amex, Capital One & more
Bank logins required
0
We never see your credentials
Free to start
0
Cards tracked free, no card required
Everything in the vault
One platform. Every angle.
Card Value
We add up the rewards and credits you actually use on each card, then weigh them against its annual fee. You see, per card, whether it's earning its keep.
Benefit Calendar
A monthly grid with expiring credits highlighted. Nothing slips through the cracks.
Renewal Engine
Keep, downgrade, or cancel — calculated and recommended before the fee posts.
Best Card Finder
Tell us your spend categories. We tell you which card to swipe for max return.
Push Reminders
Before a credit resets. Before a bonus expires. Before you forget.
Household View
P1 + P2 tracked together. Full portfolio across both players.
See it in action
Your whole wallet, one screen.
Every credit still claimable, the card to use for each kind of spend, and a keep-or-cancel call on every annual fee — exactly what loads the moment you sign in.
Sample wallet
$2,443still claimable.
$272 of it lapses Sep 30.
Wallet5
Amex Gold Card
Amex Platinum
Chase Sapphire Reserve
Capital One Venture X
Chase Freedom Flex
Needs you3
$ at stake ÷ days leftThis month
Portfolio total
Card value
+2 moreGo ahead — open the menus and click around. It's the real Cards Vault, the moment you sign in.
See what you're leaving on the table
Pick a persona, or drag the sliders. We'll show the value a flat 2% card misses.
vs flat 2% card
Amex Gold
$600
$1,458
+$858/yr
Get started
How it works
Add your cards
Track benefits
Get reminders
Pricing
Pick your tier
Strategist is free forever. Power User unlocks unlimited cards.
Strategist
$0 forever
Get your wallet tracked.
- 5 cards in wallet
- Card Value, 1 card
- Benefit calendar, 5 cards
- Best-card recommender
- Points & miles, entered by hand
- Articles & strategy guides
No credit card required.
Power User
Recommended$59/yr · or $7.99/mo
Save 38% with annual billing.
- Everything in Strategist
- Unlimited cards
- Household: Player 2 views + their own login on your Pro
- Advanced renewal analysis
- Points auto-sync + expiration alerts
- Wallet Surgery scenarios
- AI Concierge
- Connect Claude, ChatGPT & other AI agents
- Priority support
7-day refund window · Cancel anytime from Settings
Guides
Questions?
No. The free tools — annual fee, card comparison, points value, 5/24, lounge finder and more — work without signing up. A free account saves your cards so Cards Vault can track your credits, renewals, and which card to use for each purchase.
No. Cards Vault never connects to your bank. You tell us which cards you have — we do the math. You can add a card's last four digits to tell two cards apart, never the full number. Payment for Pro is handled entirely by Stripe.
Cards Vault is a fast PWA — add it to your home screen from any modern browser and it works like a native app, offline-first.
We review fees, earn rates, and benefits regularly and after major issuer changes. Each card carries its own verification date, shown on its page, and is checked against the issuer's own page.
Free tier covers up to 5 cards plus the core tools — the calculators, benefit calendar, best-card finder, and points balances you enter yourself. Pro adds unlimited cards, Card Value and the calendar for every card, the renewal engine, a second player, Wallet Surgery, the AI Concierge, points auto-sync, AI agent connections, and data export, for people with 6+ cards or a partner with their own wallet.
Yes. Cancel from Settings with one click via the Stripe Customer Portal. 7-day refund on your first subscription if you change your mind.
Founding beta
Join the founding beta
Stop leaving money on the table
Premium cards bury hundreds of dollars a year in credits — easy to forget, easy to lose. Cards Vault helps you catch each one before it expires.