CardVault

CardVault is a free relationship-intelligence layer for your wallet — designed to help everyday spenders and points enthusiasts squeeze the maximum value out of the credit cards they already carry. Instead of guessing which card earns the best multiplier at the grocery store, gas pump, or airline checkout, CardVault matches each purchase context to the optimal card in your portfolio and shows the exact cash-back or points yield in real time. Behind the scenes it tracks reward balances across issuers, surfaces underused benefits like travel credits and lounge access before they expire, and gives you a clean financial dashboard that turns a messy stack of cards into a single coordinated rewards strategy. There's no paywall and no upsell to a paid tier: the entire optimization engine, recommendation flow, and benefit tracker is free, which makes CardVault a natural starting point for anyone curious about churning, multi-card stacking, or just stopping the slow leak of unredeemed rewards.