Question 1

How do I get started?

Accepted Answer

Sign up free, add the cards you carry, and ask which one to use for any purchase. Your first 5 prompts are free.

Question 2

Is CardMatchly right for me?

Accepted Answer

Yes, if you carry 3 or more credit cards. With 1 or 2, you'll get less out of it.

Question 3

Does CardMatchly recommend which new cards to get?

Accepted Answer

Yes, Pro members see which card would earn more where their wallet is weakest. Cards are ranked only by miles per dollar, never by partnerships.

Question 4

Do I need to enter my card number or bank login?

Accepted Answer

No, never. You only add card names, like "DBS Altitude", and we never connect to your bank.

Question 5

What information do you actually store about me?

Accepted Answer

Your email, your saved cards, your last 10 or so messages, and anything you log, like purchases and goals. We never store card numbers, CVVs or bank logins.

Question 6

How do I delete my account and my data?

Accepted Answer

Tap "Account" ("More" on a phone), then "Delete account" at the bottom. This permanently deletes your data and ends Pro immediately, with no refund.

Question 7

Is my data sold or shared with third parties?

Accepted Answer

No, we never sell it. We only share what's needed to run CardMatchly, like payments through Stripe and answers through Google Gemini, and our Privacy Policy lists every service we use.

Question 8

Who can see my goals?

Accepted Answer

Only the people you invite, and they never see your cards or spending. Contributors can add to-dos and miles, while Viewers can only look.

Question 9

Is CardMatchly affiliated with any bank or card issuer?

Accepted Answer

No. CardMatchly is independent and ranks cards only by their published rewards.

Question 10

Is CardMatchly safe to use?

Accepted Answer

Yes. We never hold card numbers or bank logins, so there's no financial data to leak.

Question 11

What does CardMatchly actually do?

Accepted Answer

It tells you which card in your wallet earns the most for what you're about to buy.

Question 12

Why not just ask ChatGPT, Gemini, or Claude?

Accepted Answer

They don't know which cards you carry, and their rates are often out of date. CardMatchly knows your wallet and uses checked rewards data.

Question 13

How is CardMatchly different from just Googling which card to use?

Accepted Answer

Google gives general advice. CardMatchly ranks only the cards you own, for that exact purchase.

Question 14

How does CardMatchly know which card earns the most?

Accepted Answer

It knows every card's bonus categories, miles per dollar and caps. It works out what you're buying and compares your cards.

Question 15

Can I use it for any type of purchase?

Accepted Answer

Yes, across 55 spending categories. Just describe it, like "FairPrice" or "flight to London".

Question 16

Does it work internationally?

Accepted Answer

Yes. When you pay in a foreign currency, it also shows each card's foreign currency fee.

Question 17

What currencies does it support?

Accepted Answer

Any currency. When you log a foreign purchase, like "€30", it's converted to SGD at that day's rate.

Question 18

Does CardMatchly remember our past conversations?

Accepted Answer

Yes, your last few messages, so you can ask follow-up questions.

Question 19

Can I upload a receipt photo?

Accepted Answer

Yes, in the Telegram bot (@CardMatchlyBot). Send a receipt or shop-front photo and it tells you which card to use.

Question 20

What counts as a prompt?

Accepted Answer

Each question is 1 prompt, including a photo or location sent to the Telegram bot. Logging purchases, browsing your wallet and checking goals don't use prompts.

Question 21

What if CardMatchly puts a merchant in the wrong category?

Accepted Answer

Tap "Wrong category" under the answer and pick the right one. Your purchases at that merchant this month and last are updated straight away, and it changes for everyone once enough people agree.

Question 22

What is "Top earns this month"?

Accepted Answer

A list on Chat's welcome screen of the best earn rates people found this month. It shows only the merchant, card and rate, never who asked.

Question 23

How do I know the rewards rates are up to date?

Accepted Answer

We update our data whenever banks change their rewards. If something looks off, tap the thumbs down or "Send feedback".

Question 24

What is the Spending tab?

Accepted Answer

It's where you log purchases so CardMatchly can track how much of each card's bonus cap you've used. It tells you when to switch cards before you hit the cap.

Question 25

How do bonus-cap alerts work?

Accepted Answer

You're alerted at 80% of a card's bonus cap, when you hit it, and when it resets. Alerts come through Telegram once you've linked it, or as browser notifications if you've turned them on.

Question 26

Can I log recurring payments like subscriptions?

Accepted Answer

Yes. Switch a purchase to "Recurring" and it's logged for you weekly, monthly, every 3 or 6 months, or yearly.

Question 27

How long do you keep my logged purchases?

Accepted Answer

Logged purchases are deleted after about 3 months, or longer for cards with quarterly or yearly caps. Monthly totals are kept for about 15 months.

Question 28

What's on my monthly card?

Accepted Answer

Your miles earned and total spending for the month, on the Spending tab. Pro adds Miles captured, missed miles, spending by category, trends, caps to watch, quarterly and yearly reviews, and overseas fees.

Question 29

What is the streak?

Accepted Answer

The 🔥 chip at the top of Chat counts the months in a row you've logged a purchase.

Question 30

What is Wrapped?

Accepted Answer

Your year in miles as a shareable story, on your monthly card in December and January. Free members see the first screen, and Pro unlocks the rest.

Question 31

What is the Goals tab?

Accepted Answer

Set a miles target, like a trip, and see how many months are left and which card swap gets you there faster. It's free, and you can invite up to 5 people.

Question 32

Which cards does CardMatchly support?

Accepted Answer

Singapore credit cards from DBS, OCBC, UOB, Citi, Standard Chartered, American Express and more. We're expanding to the US and Canada in Q4 2026.

Question 33

What if my card is not in the database?

Accepted Answer

Request it using this form. The most-requested cards get added first.

Question 34

How many cards can I add to my wallet?

Accepted Answer

Up to 3 on the free plan, or every card you carry on Pro.

Question 35

Do I need an account to use CardMatchly?

Accepted Answer

Yes, a free one, so CardMatchly can remember your cards. It takes under a minute and needs no credit card.

Question 36

Is CardMatchly free to use?

Accepted Answer

Yes, you get 5 free prompts to try it. They're a one-time allowance and don't renew.

Question 37

What happens when I run out of prompts?

Accepted Answer

Upgrade to Pro for a monthly allowance, or invite friends for bonus prompts.

Question 38

What payment methods do you accept, and is there an annual plan?

Accepted Answer

Any major credit or debit card, through Stripe. Pro is USD 4.99 a month, or USD 29.99 a year (about USD 30 less).

Question 39

What happens to my saved cards if I cancel Pro?

Accepted Answer

They all stay, but you can't add new ones while you have 3 or more. You keep Pro until your billing period ends.

Question 40

What does Pro include?

Accepted Answer

A monthly prompt allowance, every card you carry, card recommendations, the full monthly card and your full Wrapped. It's USD 4.99 a month or USD 29.99 a year.

Question 41

Can I cancel anytime?

Accepted Answer

Yes. Tap "Account" ("More" on a phone), then "Manage billing", and you keep Pro until your billing period ends.

Question 42

How does the referral program work?

Accepted Answer

Tap "Account" ("More" on a phone), then "Invite a friend" to share your link. When a friend signs up and links Telegram, you each get 10 bonus prompts, up to 100.

Question 43

Do I need to download an app?

Accepted Answer

No. Tap "Install App" to add CardMatchly to your home screen or dock, or use our Telegram bot, @CardMatchlyBot.

Question 44

Can I install CardMatchly on my computer too?

Accepted Answer

Yes. Click "Install App" in Chrome or Edge, or follow its "Add to Dock" steps in Safari on a Mac.

Question 45

Can I use CardMatchly on my phone or tablet?

Accepted Answer

Yes, on iPhone, iPad and Android. Tap "Install App" and follow the steps to add it to your home screen.

Question 46

Is the Telegram bot the same as the web app?

Accepted Answer

Yes. Once linked, they share your wallet, prompts, purchases and conversations.

Question 47

How do I link my Telegram account?

Accepted Answer

Tap "Account" ("More" on a phone), choose "Use CardMatchly on Telegram", and follow the steps.

Question 48

How accurate are CardMatchly's recommendations?

Accepted Answer

Very accurate for common categories and well-known merchants. Unusual merchants can trip it up, so double-check those.

Question 49

What if the recommendation is wrong?

Accepted Answer

Tap the thumbs down on the answer and tell us what went wrong. It comes straight to us.

Question 50

Why does a small purchase earn 0 miles on some cards?

Accepted Answer

Some cards only give miles per full block of spending, like every $5, so a $3 purchase earns nothing. CardMatchly counts only whole blocks, so these cards can rank lower on small purchases.

Question 51

Does CardMatchly account for sign-up bonuses or limited-time offers?

Accepted Answer

Not sign-up bonuses. We track ongoing earn rates, including bonus rates that run for a fixed promotional period.

Question 52

Is this financial advice?

Accepted Answer

No. CardMatchly helps you earn more on your cards, but it isn't financial advice.

Question 53

Who built this?

Accepted Answer

Wendy Lee, a solo founder who juggles 14 credit cards. She built it after spending too much of her honeymoon working out which card to use.

Question 54

I still have a question. How do I get in touch?

Accepted Answer

Email hello@cardmatchly.com, and we'll reply as soon as we can.

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