Cardly

Navidia Devs

About this app

Stop leaving extra cashback bonus on the table.

Built for people who carry multiple cashback cards and want the right answer fast. Takes 30 seconds to set up.

Cardly tells you exactly which credit card to use for every purchase — groceries, gas, dining, travel, online shopping, and more. No guesswork, no spreadsheets, no forgetting which card has 5% this quarter.

HOW IT WORKS
Add the cards you carry. Tap a spending category. Cardly instantly shows your best card and exact cashback rate.

WHAT CARDLY HANDLES

Rotating 5% categories (Chase Freedom, Discover it, and more)
Fixed category bonuses (Amex Blue Cash, Capital One Savor)
Flat-rate cards (Citi Double Cash, Wells Fargo Active Cash)
Auto top-category cards (Citi Custom Cash)
Cards where you pick your own bonus categories (Bank of America, US Bank)
Quarterly activation deadlines and reminders
ADD YOUR OWN
Credit union card? Store card? Add it as a custom card with your own rates. Create custom spending categories too.

SPEAKS YOUR LANGUAGE
Full English and Spanish support. Switch anytime.

PRIVACY FIRST
No logins. No bank linking. No accounts. No data leaves your phone. Ever. Cardly works 100% offline after setup.

ALWAYS CURRENT
Categories change every quarter. Cardly updates automatically — no app update needed. Open the app, get the answer.

What’s new

Cardly is here! Add your cashback credit cards, tap a category, and instantly see which card earns the most. Supports rotating bonuses, fixed categories, flat rates, custom cards, quarterly activation tracking, and English/Spanish. Your data never leaves your phone.

New in 1.1.0:
search by store (Amazon, Costco, Apple…), excluded-store warnings, more accurate Apple Pay rates, activation reminders, and a fresh, colorful look.