Points are easy.
Knowing which ones matter isn't.
CardMates harvests only the rewards worth your attention, tells you what each card really costs, and lets the people you travel with pool points into one balance.
4 cards · $515 in fees
Your Amex Gold returned $142 of credits against a $325 fee. Renewal in 41 days.
Rewards reward the obsessive. That's a design failure.
The programs aren't broken — the tracking is. CardMates does the part that requires a spreadsheet, a calendar, and a good memory.
Too many cards, too little signal
Five cards, twelve earning categories, and a blog post you half-remember. Most people leave the best card in the wallet.
Certificates that quietly expire
A companion fare or certificate is single-use and dated. Miss the window and the annual fee bought you nothing.
Points stranded across people
Your balance is here, your partner's is there, and neither is enough. The award you both want sits one transfer away.
Harvest the points that deserve your time
CardMates ranks every earning opportunity by what it's actually worth to you, then keeps the dated benefits — companion fares, certificates, credits — on a clock you can see.
- Per-purchase recommendations tuned to your real cards
- Companion pass and certificate tracker with expiry alerts
- Skip the 1% chases — we surface only what moves the needle
Understand the real take and cost of every card
Opening, keeping, and closing are all decisions with a price. CardMates keeps a running ledger of annual fees against the perks you genuinely used.
- Annual fee vs. credits actually redeemed, per card
- Cut, keep, or downgrade guidance before renewal hits
- Open/close timing that protects your history and score
Invite the people you actually travel with
Family and friends can contribute balances into a shared pool, with consent at every step and a guided flow for each program's real transfer rules.
- Shared pool with per-member contributions and visibility
- Guided transfers for Hyatt, Marriott, Hilton, and IHG
- Partner perks unlocked when a pool hits a threshold
Play with the real screens before you download anything.
Pick your cards, run a spend through the reward simulator, and build a family pool — right in the browser.
Early members and the press
“The first rewards app that tells you to stop chasing something. The cut-or-keep call on my Gold card paid for the year.”
“Pooling with my parents finally made our Hyatt balances mean something. The guided transfer flow is genuinely thoughtful.”
“CardMates is doing for card portfolios what budgeting apps did for checking accounts — making the invisible legible.”
Bring the people you travel with.
Join the waitlist for an invite, or request a live walkthrough for your team.
Request a demo instead