Question 1

How do I get started?

Accepted Answer

Sign up for a free account at cardmatchly.com, add the cards you carry to your wallet, and start asking. No bank logins, no card numbers, no setup beyond telling Matchly which cards you own. Your first 5 prompts are on us.

Question 2

Is CardMatchly right for me?

Accepted Answer

CardMatchly is built for people who carry at least 3 credit cards and want to stop guessing which 1 to use. If you have 3 or more cards, you are almost certainly leaving miles on the table every time you tap without checking. That is exactly what Matchly is here to fix. If you only carry 1 or 2 cards, you are likely using the same card for everything, and Matchly would not add much value for you right now.

Question 3

Does CardMatchly recommend which new cards to get?

Accepted Answer

No. CardMatchly works with the cards you already own. It does not recommend new cards to apply for, compare card products, or advise on which card to get next. It is purely focused on helping you get the most out of the wallet you already carry.

Question 4

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

Accepted Answer

No, and we will never ask for either. CardMatchly works by letting you manually add your card types (for example, "DBS Altitude" or "Chase Sapphire Reserve") to your wallet. We do not connect to your bank, read your statements, or store any financial credentials. If a tool ever asks for your card number or bank password, that is not us.

Question 5

What information do you actually store about me?

Accepted Answer

We store your email address (used for login), the card types you have added to your wallet, and a short window of recent conversation history so Matchly has context for follow-up questions. We do not store card numbers, CVVs, expiry dates, bank credentials, or any transaction data.

Question 6

Is my data sold or shared with third parties?

Accepted Answer

No. We do not sell your data. We do not share it with advertisers, card issuers, or anyone else. We use third-party services to run the product (authentication, payments, analytics), but those providers only receive the minimum data needed to do their job.

Question 7

Is CardMatchly affiliated with any bank or card issuer?

Accepted Answer

No. CardMatchly is fully independent. We are not owned by, funded by, or partnered with any bank or card issuer. Our recommendations are based purely on published rewards data, not on who pays us. No card gets preferential treatment.

Question 8

Is CardMatchly safe to use?

Accepted Answer

Yes. Because we never touch your banking credentials or card numbers, there is no sensitive financial data at risk if anything were to go wrong. Your login is handled by a dedicated authentication provider with industry-standard security practices.

Question 9

What does CardMatchly actually do?

Accepted Answer

CardMatchly tells you which card in your wallet earns the most rewards for any purchase you are about to make. That could be everyday spending like groceries at Walmart or a Starbucks coffee, bigger purchases like a flight or hotel booking, or anything in between. It is designed to follow you through your daily life and your travels so the right card is always just 1 question away.

Question 10

Why not just ask ChatGPT, Gemini, or Claude?

Accepted Answer

Generic AI tools can tell you about credit cards in general, but they have no idea which cards you actually carry. They also do not have access to a verified, up-to-date card database, so the miles-per-dollar figures they give you can be outdated or just wrong. CardMatchly is built specifically for this problem. It knows your wallet, uses verified rewards data, and gives you a direct answer rather than a general overview you still have to interpret yourself.

Question 11

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

Accepted Answer

Google gives you generic advice about cards in general. CardMatchly only looks at the cards you actually own and tells you which 1 wins for that specific purchase. No wading through comparison articles written for someone else's wallet.

Question 12

How does Matchly know which card earns the most?

Accepted Answer

Matchly is trained on the rewards structures of the cards in our database, including bonus categories, earn rates, and merchant type rules. When you describe a purchase, it identifies the spending category and matches it against your saved cards to find the best earner. It is category-based, not transaction-based, so no bank connection is needed.

Question 13

Can I use it for any type of purchase?

Accepted Answer

Yes. CardMatchly covers over 40 spending categories including travel, dining, groceries, gas, streaming, online shopping, and more. You can describe purchases in plain language, for example "flight to London," "Walmart," or "Netflix subscription," and Matchly figures out the category.

Question 14

Does it work internationally?

Accepted Answer

Yes. CardMatchly works wherever you are spending. When you are paying in a foreign currency, Matchly will also flag any foreign transaction fees on your cards so you can factor that into your decision. Cards are ranked by earn rate, and the FX fee information is surfaced alongside so you have the full picture before you tap.

Question 15

What currencies does it support?

Accepted Answer

CardMatchly focuses on spending categories rather than specific currencies, so it works regardless of what currency you are transacting in. Just describe your purchase and Matchly will recommend the best card for that category.

Question 16

Does Matchly remember our past conversations?

Accepted Answer

Matchly retains the last few messages for context so it can handle follow-up questions naturally. In practice, most people ask 1 or 2 questions per purchase, so this covers the vast majority of real conversations without storing a long log of your activity. The shorter retention window is also better for your privacy.

Question 17

Can I upload a receipt photo?

Accepted Answer

Yes, via the Telegram bot (@CardMatchlyBot). Send a photo of your receipt and Matchly will read the merchant and spending category, then recommend the best card from your wallet. This feature is currently available on Telegram only.

Question 18

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

Accepted Answer

We monitor card rewards programs and update our database when issuers make changes. If you spot a recommendation that looks off, use the thumbs down button to flag it and we will review it. You can also reach us directly at hello@cardmatchly.com.

Question 19

Which cards does CardMatchly support?

Accepted Answer

We currently support a wide range of Singapore credit cards across major banks including DBS, OCBC, UOB, Citi, Standard Chartered, American Express, and more. US card support is coming in H2 2026, covering issuers like Chase, Amex, Capital One, and Citi. You can check if your specific card is supported by searching for it when adding cards to your wallet.

Question 20

How many cards can I add to my wallet?

Accepted Answer

As many as you carry. There is no limit. CardMatchly was built by someone who manages 14 credit cards, so we are not here to judge.

Question 21

Do I need an account to use CardMatchly?

Accepted Answer

Yes, a free account is required so Matchly can remember your saved cards and conversation history across sessions. Signing up takes under a minute and does not require a credit card.

Question 22

Is CardMatchly free to use?

Accepted Answer

Yes. There is a free tier that gives you 5 prompts to try Matchly and see if it is right for you. No credit card required to sign up.

Question 23

What happens when I run out of prompts?

Accepted Answer

Once your free prompts are used up, you can upgrade to Pro to continue. Pro gives you a generous monthly prompt allowance that resets on your billing date each month.

Question 24

What does Pro include?

Accepted Answer

Pro is $4.99/month and gives you a generous monthly prompt allowance, unlimited cards in your wallet, access via both the web app and Telegram bot, and monthly card insights showing which cards you are getting the most value from.

Question 25

Can I cancel anytime?

Accepted Answer

Yes. Go to your profile and select Manage Billing to cancel at any time. You will keep access until the end of your billing period.

Question 26

Is the Telegram bot the same as the web app?

Accepted Answer

Yes. They share the same wallet, prompt count, and conversation history. Whether you ask on the web or via Telegram, you are talking to the same Matchly with the same context. Just link your account once and both stay in sync.

Question 27

How do I link my Telegram account?

Accepted Answer

Log in to cardmatchly.com, go to your profile settings, and follow the steps to connect your Telegram account. Once linked, your wallet and prompt count are shared across both platforms automatically.

Question 28

How accurate are Matchly's recommendations?

Accepted Answer

Matchly is highly accurate for standard spending categories and well-known merchants. Recommendations are based on published card rewards structures, which we update regularly. As with any AI tool, edge cases exist. Unusual merchants or niche spending types may occasionally require a judgment call on your end. We are always improving.

Question 29

What if the recommendation is wrong?

Accepted Answer

Use the thumbs down button in the app to flag it. This helps us improve. If a card's rewards structure has changed and is not reflected in Matchly's answers, let us know. Issuers do update their programs and we want to stay current.

Question 30

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

Accepted Answer

Not currently. Matchly focuses on ongoing earn rates and bonus category structures, which are the consistent rewards you get on every swipe. Sign-up bonuses and time-limited promotions vary too frequently to reliably track, but it is something we are looking at for the future.

Question 31

Is this financial advice?

Accepted Answer

No. CardMatchly helps you maximize rewards on cards you already own. It does not recommend which cards to apply for, advise on credit decisions, or provide any form of regulated financial advice. For guidance on which credit products to take out, please consult a qualified financial advisor.

Question 32

Who built this?

Accepted Answer

CardMatchly was built by Wendy Lee, a solo founder who manages 14 credit cards with her husband and spent way too much time on their honeymoon trying to figure out which card to use in each country. The product exists because the problem is real, and the existing solutions all required too much trust, too many logins, or too much setup. CardMatchly is the tool she wished she had.

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