GPS-Powered Credit Card Optimizer
••••   ••••   ••••   2025
Card Holder
YOUR NAME
VALID
THRU 12/29
Cardity
Signup for Waitlist

Your wallet,
optimized automatically.

Cardity uses GPS to silently detect where you are and delivers an instant push notification — telling you exactly which card to use before you reach the register.

See It in Action How It Works
∞
Unlimited Rewards Access
5 min
Auto-Detection Time
$0
Manual Input Required
✦
Easy Rewards
The Process

Four steps. Zero effort.

01
📍

GPS Finds You

Cardity runs quietly in the background. After 5 minutes at a location, it automatically identifies the merchant using Google Places — no check-in, no opening the app.

02
💳

Best Card, Instantly

A push notification tells you which card in your wallet earns the highest rewards here — plus which card you don't have yet would earn you even more.

03
🔍

Find Better Cards

Cardity surfaces cards you don't own that would earn significantly more at your top spend categories — with approval requirements laid out clearly.

04
✅

See If You Qualify Before You Apply

Check your credit score and approval odds with no hard pull before committing to any application. Know your chances before you click apply.

App Preview

Watch it work.

GPS Active
Whole Foods Market
972 S. Wheeler St · 43m away
Time at location 4:32 ⏱
📍
Location Detection
💳 Best Card at Whole Foods
Chase Sapphire Preferred
3× points on dining & grocery
= $0.06 back per $1 spent
✨ Upgrade Opportunity
Amex Blue Cash Preferred
6% cash back at U.S. supermarkets
Interested in the upgrade?
Check odds — no hard pull →
Card Recommendation
My Wallet
Chase Sapphire Preferred 3×
Amex Gold Card 4×
Capital One Venture 2×
Best card right now
Amex Gold · Groceries 4×
+ Add a card
Your Cards at a Glance
Interactive Example

Tap any card to see if you qualify.

At Whole Foods · Groceries · 4:37 PM
📍 Cardity detected Whole Foods Market · Best card for Grocery spend
✦ Best Card You Have
Chase Sapphire Preferred
3× points
Dining & online groceries
Amex Gold Card
4× points
U.S. supermarkets · up to $25k/yr
💡 Don't Have It Yet
Amex Blue Cash Preferred
6% cash back
U.S. supermarkets · up to $6k/yr
Tap any card — see approval requirements, check your score free, and apply in one tap

Privacy Policy

Last updated: January 2025

1. Information We Collect

Cardity collects: location data (GPS coordinates, used only while the app is active or running in the background with your permission); financial data (transaction history via Plaid's secure, bank-grade API — we never see or store your bank login credentials); and account information (email address, card preferences, and in-app settings).

2. How We Use Your Data

Your location is used solely to identify nearby merchants and deliver card recommendations. We do not sell, rent, or share your location history with advertisers. Financial data is used exclusively to personalize recommendations and calculate your savings. We use Plaid — a regulated, SOC 2 compliant financial infrastructure company — to securely access your transaction data with your explicit consent.

3. Data Storage & Security

All data is encrypted in transit using TLS 1.3 and at rest using AES-256. We use Supabase, a SOC 2 compliant database platform, to store your account information. Transaction data is retained for 12 months. You may request complete deletion of your data at any time by emailing privacy@Cardity.app.

4. Third-Party Services

We use Plaid for bank connectivity, Google Places API for merchant identification, and Expo/React Native for our mobile infrastructure. Each operates under their own privacy policies. We do not use your data for advertising, and we do not sell data to brokers under any circumstances.

5. Your Rights

You have the right to access, correct, export, or delete your personal data at any time. You may revoke bank access through your Cardity account settings without deleting your account. Contact privacy@Cardity.app to exercise any rights.

6. Children's Privacy

Cardity is not directed to children under 13. We do not knowingly collect personal information from children under 13.

7. Contact

privacy@Cardity.app

Terms of Service

Last updated: January 2025

1. Acceptance of Terms

By downloading or using the Cardity mobile application or this website, you agree to be bound by these Terms of Service.

2. Description of Service

Cardity is a credit card optimization application that uses GPS location data and, optionally, bank transaction data to recommend which credit card to use at a given merchant. Cardity is a financial tool, not a licensed financial advisor. Recommendations are mathematical and based on publicly available rewards rates.

3. Not Financial Advice

Nothing in the Cardity app or on this website constitutes financial, investment, or legal advice. Always read a card's full terms and conditions before applying. Credit approval is at the sole discretion of the issuing bank.

4. Affiliate Relationships

Cardity may receive compensation when you apply for and are approved for credit cards through links in our app or on this website. This is disclosed in our Affiliate Disclosure. Affiliate compensation does not influence the mathematical accuracy of our recommendations.

5. User Responsibilities

You are responsible for maintaining the security of your account credentials. You agree not to use the app for any unlawful purpose. Location services and bank connectivity may be revoked at any time through your device or account settings.

6. Limitation of Liability

Cardity is provided "as is" without warranties of any kind. We are not liable for errors in rewards rates, changes to card terms, denial of credit applications, or any financial decisions made based on our recommendations.

7. Contact

legal@Cardity.app

Affiliate Disclosure

In compliance with FTC 16 CFR Part 255 · Last updated January 2025

Our Relationships with Card Issuers

Cardity maintains affiliate relationships with credit card issuers including American Express, Chase, Capital One, Citi, Bilt, and others. When you click an "Apply Now" or "Get This Card" link and are subsequently approved, Cardity may receive a referral commission. This is how we earn revenue to keep the app free.

How Compensation Affects What You See

Our primary recommendations — the "Best Card" shown for a given merchant — are determined entirely by mathematical comparison of rewards rates. We do not manipulate these rankings based on compensation. "Upgrade Pick" suggestions may give preference to cards with higher commissions, as long as those cards also provide a genuinely better earning rate.

Typical Compensation

Affiliate commissions vary by card issuer and promotional period, typically ranging from $50 to $250 per approved application. We never receive payment for ranking a card higher than it deserves based on rewards value.

Credit Score Tools

Links to credit score checking tools (such as Credit Karma) may also be affiliate partnerships. The recommendation to check your score before applying is genuine advice regardless of any commercial relationship.

Our Commitment

We will never recommend a card that earns you less just because it pays us more. If a card is featured prominently, it is because it genuinely earns you more rewards.

Questions

hello@Cardity.app