Know the right card before you pay. Know the month you'll be debt free.

Most people carry three to six credit cards and use the wrong one most of the time. CCAI fixes that in one tap. Tell it where you are paying, or let location find the store, and it compares every card you carry and shows the one that earns the most right now. At home, it turns your balances into a payoff plan with a real finish date.

WHICH CARD, RIGHT NOW
Tap a nearby merchant, search any store, or pick a category like dining, grocery, gas, or travel. See your best card with the card face and last four digits so you can find it in your wallet fast, and see exactly how much more it earns than your second best, in dollars per 100. Log the decision with one tap and watch your extra earnings add up each month.

REWARDS DATA YOU CAN TRUST
Rates come from issuer terms pages, checked automatically, with the verification date shown on every recommendation. Cards with rotating or choose-your-own bonus categories ask which one you picked instead of guessing. If we cannot verify a rate from a primary source, it says unverified rather than pretending. And if your card is not in our catalog, add it with your own rewards structure and it works in recommendations immediately.

FIND ANY CARD INSTANTLY
Search understands how people actually talk about cards. Type the issuer, the nickname, or an abbreviation, and the right card comes up. Searching an issuer shows all of their cards.

PAY OFF DEBT WITH A REAL PLAN
Add your balances, APRs, and what you can pay each month. CCAI builds an avalanche or snowball payoff order, shows the month each card is gone and the month you are debt free, and lets you simulate what an extra 50 dollars or a balance transfer would change. Payment reminders arrive before every due date so a late fee never sets you back.

ASK ANYTHING
A built-in assistant answers questions about balance transfers, negotiating a lower rate, and how cards compare, grounded in public CFPB data on hundreds of real cards.

PRIVACY FIRST
No bank login required, ever. Add cards manually with just the card name and, optionally, the last four digits. CCAI never connects to your bank or card account, never sees full card numbers, and never sells your data. Recommendations come from public reward rates, not your transactions. You can delete your account and all your data at any time from your profile.

WHAT CCAI IS NOT
CCAI does not provide loans, banking, payments, or investment services, and it does not provide financial advice. It is an independent app and is not affiliated with any card issuer or payment network. Rewards rates are provided for information and can change; confirm details with your issuer.

Free to use. CCAI Plus, an optional subscription, adds unlimited logged decisions, unlimited assistant messages, payment reminders, and the what-if simulator.

Something look wrong? Tell us at support@getccai.com and we will fix it against the source.