CardReplyJoin the pilotJoin the pilot

Your credit-card companion

Your cards.
A clearer answer.

CardReply turns your credit-card questions into a clear next step. Know which card to use, keep your bonus on track, and see whether an annual fee earns its place.

Try the live chatJoin the pilot
No card commissionsNo bank loginMath you can see

Designed for Muse, ChatGPT and Grok. Explore the working preview.

Sound familiar

Three questions every cardholder keeps asking.

  • 01

    “Am I going to hit the spend?”

    Spend$3,500 of $4,000

    Time51 of 90 days

    Ahead of pace

    Your pace, not just your total. Returns and pending charges are counted the way your card counts them.

    Ask it: Am I going to hit the spend?
  • 02

    “Which card do I use here?”

    Dining and travel
    Travel card 3x
    Groceries
    Grocery card 4%
    Everything else
    Travel card for the bonus

    After Oct 30, everything else moves to Everyday, 2%.

    A cheat sheet that keeps itself current. Categories, caps and any bonus you're working on.

    Ask it: Which card do I use here?
  • 03

    “My annual fee is coming. Keep it? What do I say?”

    Nov 14$95 annual fee posts

    Added over your Everyday card
    +$120
    Annual fee
    -$95
    Worth keeping
    +$25

    What to say

    “My annual fee just posted and I'm deciding whether to keep this card. Are there any retention offers on my account?”

    What the card really earned you, when to call, and the exact words.

    Ask it: My annual fee is coming. Keep it? What do I say?

And when you ask whether to get another card, sometimes the answer is no.

Try it

Ask it like you'd ask a friend who's good with cards.

Explore the connector experience

Assistant: CardReply · Muse preview

Replay

You asked: Am I on pace for my Travel card bonus?

Checked your bonus

CardReplyBonus pace

Source: From your statement
Target
$4,000
Counted
$3,500
To go
$500

Spend$3,500 of $4,000

Time51 of 90 days

Pace: Ahead of pace

A $300 return on Sep 17 set you back. At your normal spending you finish around Oct 14. Deadline Oct 30.

Assistant: You're on pace. The $300 headphone return set you back, so you need $500 more by Oct 30. Your normal dining, gas and bills get you there around Oct 14. No need to change anything.

  • AI explains the answer
  • Calculators check the numbers
  • Sample wallet. Website preview, not a connected account.

Four useful places to start

A clear next step.
For every card question.

Free tools you can use today. No account or bank connection needed.

01 / Which card to use

Make the most of the purchase.

Compare the rewards on two cards for the same purchase. See the difference in dollars.

Compare your cards02 / Welcome bonus tracker

Keep the bonus in sight.

See what counts, what is left and the pace needed before your deadline.

Check your bonus03 / Annual fee calculator

Make the fee earn its place.

Compare rewards and useful credits with your best no-fee alternative.

Check an annual fee04 / Credit card payoff planner

Find a way to pay it down.

Compare paying the highest rate first, the smallest balance first and minimums only.

Build a payoff plan

Designed for conversation

Muse. ChatGPT. Grok.

The same useful tools, wherever you like to ask. Explore the website preview while we build the native connections.

See the connector experience

It connects the dots

You returned a $300 pair of headphones. Three things just changed.

  • Your bonus

    Before the return: $200 to go. Done by early October.

    After the return: $500 to go. Done by mid October.

  • Which card

    Before the return: Everyday spending moves back to your 2% card on Oct 3.

    After the return: It stays on the Travel card two more weeks.

  • Next card

    Before the return: Revisit a new card after the current bonus.

    After the return: Hold off until November.

One posted return changes the plan. CardReply sees the return, redoes the math and tells you what changed.

How it works

A conversation with the numbers behind it.

  1. 01

    Ask a real question

    Which card for this purchase? Am I on pace for my bonus? Start with what you need to know.

  2. 02

    See the working

    The card tools calculate the answer. The AI explains what matters and asks when something is missing.

  3. 03

    Choose your next step

    Use this card. Keep that one. Wait on the next. A useful answer can be to change nothing.

Straight answers

Ask us anything. Here's what people ask first.

Is it live yet?

The website chat and free calculators work now. The chat uses AI and our card tools with a sample wallet. We are opening a 20-person pilot as we develop the connections to your assistants.

How do you make money?

The planned membership is $9 a month or $79 a year. The website tools and sample chat are free. No card commissions, no ads, no selling data. When we say a card is worth getting, we earn nothing from it.

Are the numbers right?

The result cards come from tested calculators. The AI explains those results. The chat uses a sample wallet; the free calculators work with the amounts you enter and show their assumptions.

What can it see?

The chat sees the conversation you type and a sample wallet. The free calculators run in your browser. This site has no bank connection, inbox access or statement upload, and never needs a card number or password.

Which assistants will it work in?

Muse, ChatGPT and Grok. We are developing these connections together. The website is a working preview; the connectors are not listed in their directories yet.

Can it remind me before a deadline?

Deadline reminders are planned for the connector. They are not running on this website yet. The bonus calculator shows the time and spending needed right now.

Will it push me to open more cards?

No. It only says yes when the math works with the spending you already do. A lot of the time the answer is keep what you have.

Who is it for?

People with two to six cards who pay in full every month. If you carry a balance, interest can outweigh rewards, so start with the free payoff planner. We'll tell you that instead of taking your $9.

20 spots. $9. One month.

Help shape a card companion around the decisions you actually make.

Join the pilot