The miles that fly you business class are hiding in spending you already do. Use the wrong card and you leave most of them on the table. CardMatchly ranks the top 3 cards in your wallet before you pay, so everyday spending funds the trips you actually want.
Why I built CardMatchly
The year my husband and I got married, I became acutely aware of how much value was quietly slipping through the cracks. It wasn't because we were overspending; we were simply under-optimizing.
We had a honeymoon to book across 4 continents, a home renovation to fund, and a new house to furnish. These massive expenses hit us all at once, some in SGD, while the rest spanned multiple foreign currencies. It was the kind of spending that, if played right, could fund our next 3 business class trips. If played wrong, it was money left on the table.
For years, I considered myself a points enthusiast. I maintained a meticulous document listing every credit card we owned, tracking spending rules, categories, and promo end dates. I genuinely thought it was enough.
It wasn't.
Standing in front of a contractor trying to figure out payment milestones, or staring at a massive online cart for home furnishings, the document failed me.
In the high-stakes moment of a major purchase, you simply cannot hold all the variables in your head:
Which card's bonus cap resets this week? Does the bonus earn rate apply here? What is the absolute smartest way to split this $10,000 invoice across our different cards to hit all our sign-up bonuses?
I went looking for a solution. I needed something that understood the difference between a furniture haul in Singapore and a shopping trip in London, all while leveraging our exact wallet. Every app I tried fell short. They either completely lacked multi-currency split strategies, or they demanded deep, intrusive access to my live bank accounts and credit card statements. That was a hard no for me.
I didn't want an automated tracker snooping on my finances. I wanted a smart companion to tell me what to do before I swiped.
I built one. CardMatchly was born in June 2026.
Built around four core pillars to eliminate the mental load of maximizing your wallet, without compromising your financial privacy.
Skip the forum threads and blog roundups. Every answer is built from the exact cards in your wallet, and no others.
CardMatchly treats your cards as one system, sending each purchase to whichever one earns the most.
Paying for a renovation or a honeymoon? CardMatchly shows you how to split the bill across cards to hit every sign-up bonus and cap.
It weighs foreign-currency earn rates against FX fees, so you tap the right card in London or Tokyo, not the one that quietly costs you.
Start with 5 free questions. No bank logins, no card details, cancel anytime.
Pro unlocks everyday optimization, local spend, bill splitting, international multi-currency strategy, and early access to new features.