CardflareSwitch: the best card you own
Cardflare works out the spend category for where you are, then ranks the cards in your wallet by what the next dollar earns, counting remaining caps and this quarter's rotating categories.
How the pick is madeCardflare is your friendly wallet and credit score agent.
The best card for the next dollar, and the best cards for the next year.
Plan: what to keep and what to apply for
Give the optimizer a credit score, about twelve months of spend and the cards you hold. It returns the best mix of your wallet plus new cards, net of annual fees and signup bonuses.
The three savings levelsAdd your cards, open the app, tap the one it shows.
Add the cards you hold
Pick them from the catalog of 297 cards, or build a custom one. Card numbers and CVV are checked on your device and discarded.
Open Cardflare at the register
Switch shows one card and what the next dollar earns on it, with the reason underneath.
Check the plan now and then
Plan shows which cards to keep using and which to apply for, net of their annual fees.
Private by design
What Cardflare does not do
- No full card numbers or CVV are stored
- The app never moves money or routes a payment
- No data is sold, and none is used for advertising
- No analytics in the app, and no trackers on this site
- A bank connection is optional and paid tier only
- Location can be denied; you pick the category instead
Good to know
Does Cardflare pay for anything or move my money?
No. Cardflare tells you which card to tap; you still tap it yourself. The app does not intercept, tokenize or route a payment.
Do I have to connect a bank?
No. The free tier works from purchases you log yourself. A Plaid bank connection is optional and only available on the paid tier.
Do you store my card number?
No. A card number and CVV typed into the add-card form are checked on your device and discarded. Cardflare keeps the last four digits, the expiry, an optional name on the card and which catalog card it matches.
Does it work without location permission?
Yes. Deny location and you pick the category yourself or use a saved pin. Automatic store detection needs location, and is part of the paid tier.
Is Cardflare available on iPhone and Android?
The app is built for both the App Store and Google Play, but it is not released on either yet. The paid subscription is built for Google Play billing; subscriptions on iOS are still to come.
Where do the card terms come from?
Cardflare keeps a hand-curated catalog of 297 cards, with terms as of 2026-09-10. They are approximate; check with the issuer before you apply.
More in support.
Tap the right card, every time.
Get Cardflare for your phone.