CCAI: Which Credit Card to Use

Know the right card before you pay. Know the month you'll be debt free. CCAI does two things most credit card apps do not. At the register, it tells you which of your cards earns the most for this purchase. At home, it turns your balances into a payoff plan with a real finish date. Earn more on every purchase and pay less interest on what you already owe. 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 its card face and last four digits so you can find it in your wallet fast See exactly how much more it earns than your second best, in dollars per $100 Tap Log and open Wallet to record the decision and jump straight to Apple Wallet YOUR BEST CARD ON YOUR LOCK SCREEN Add the CCAI pass to Apple Wallet once. When you arrive at a place you visit often, the pass appears on your lock screen with the card to use, before you open the app. REWARDS DATA YOU CAN TRUST Rates come from issuer terms, checked automatically, with the verification date shown on every recommendation. Cards with rotating or choose-your-own bonus categories ask you which one you picked instead of guessing. 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 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. Enter cards manually with just the name and last four digits. Your data stays in your account and is never sold. CCAI 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. CCAI does not provide financial advice.