Never use the wrong credit card at checkout again.
CardWise AI is a privacy-first browser extension that automatically identifies the highest-earning credit card in your wallet during online shopping checkout—calculating cashback, transferable points, and miles with clear explainability and zero bank credentials required.
Earns 5% back at Amazon.com & Whole Foods, beating your 2% flat-rate default card by +$3.75.
Smarter rewards without surrendering your financial privacy.
Most reward trackers force you to link bank accounts via third-party aggregators. CardWise AI flips the model: you select which card products you hold, and our local decision engine calculates the math right inside your browser.
Build Your Local Wallet
Pick from 50+ pre-configured U.S. credit cards (Chase, Amex, Capital One, Citi, Discover, Bilt, U.S. Bank) or create custom cards with your own category multipliers. No card numbers or CVVs ever entered.
Automatic Checkout Detection
When you reach an online checkout page, CardWise AI detects the merchant category and cart total—popping up a sleek recommendation badge in the bottom-right corner or inside the toolbar popup.
Clear Math & Explainability
See the exact dollar return of every card in your wallet based on your custom cents-per-point (CPP) valuations, plus a clear explanation of why the winning card came out on top.
See how CardWise AI ranks your wallet
Click a merchant scenario below to see how the extension's decision engine evaluates category multipliers, point valuations, and network rules in real time.
Recommended: Chase Prime Visa
Earns 5% back at Amazon.com ($6.00 value on a $120 cart). Beats your 3% online retail card by +$2.40 and your 2% catch-all card by +$3.60.
Getting started & mastering CardWise AI
Follow this step-by-step guide to install the extension, configure your credit card wallet, tune your point valuations, and use the checkout advisor.
Installing the Chrome Extension & Pinning to Your Toolbar
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Install from Chrome Web Store (or Unpacked Developer Mode):
If installing from a local release folder, open Chrome and navigate to
chrome://extensions, enable Developer mode in the top-right corner, click Load unpacked, and select yourCardWisefolder. - Pin CardWise AI for 1-Click Access: Click the puzzle-piece Extensions icon in the top-right of Chrome's toolbar and click the Pin icon next to CardWise AI - Card Rewards Advisor.
- Open the Wallet Dashboard: Click the CardWise toolbar icon and click the ⚙️ Settings / Manage Wallet button (or right-click the extension icon and choose Options).
Adding & Customizing Your Credit Card Portfolio
Inside the 💳 My Wallet tab of the Options dashboard, you can build your personal card portfolio without ever typing an account number:
- • Select your Card Issuer (e.g., Chase, American Express, Capital One, Citi, Discover, Wells Fargo, Bilt).
- • Select the Card Template from the second dropdown and click Add Card.
- • Each seeded card comes pre-loaded with its base rate, bonus categories, annual fee, welcome offer notes, benefits, and statement credits.
- • Click Custom Card to add credit union or regional cards with custom multipliers for Dining, Grocery, Travel, Gas, and Online Shopping.
- • On any wallet card, use the quick control bar to set a Wallet Nickname (e.g., "P2 Sapphire" or "Joint Grocery Card"), mark a card as Preferred (★), pause/enable it, or open the full Profile Editor.
Choosing Your Decision Engine Strategy & Cents-Per-Point (CPP)
Everyone optimizes rewards differently. In the ⚙️ Preferences Engine tab, you can choose how CardWise weighs points versus cashback:
Converts transferable points (using your custom CPP valuation) and compares them head-to-head against flat cashback cards to pick the highest dollar return.
Disregards travel transfer multipliers and ranks your cards strictly on guaranteed statement credit / cashback percentage.
Prioritizes transferable travel point ecosystems (Chase UR, Amex MR, Capital One, Bilt) over flat cashback when building award balances.
Always recommends your Designated Default Flat Card unless another card beats it by at least your Minimum Switch Threshold (e.g., $1.00+ extra value).
2.0¢ or Amex MR to 1.8¢) and toggle Business Spending Priorities Mode to favor business cards on business merchants.
Using the Floating Checkout Widget, Quick Calculator & Analytics
When you visit a checkout page, CardWise parses the cart total and displays a compact floating widget in the bottom-right corner showing your #1 card and estimated reward value.
Shopping on any site before checkout? Click the CardWise toolbar icon and type any dollar amount into the Quick Purchase Calculator to see instant rankings across all your cards.
Visit the 📈 Analytics tab to see your cumulative rewards recaptured, or use Card Sources in the Profile Editor to paste issuer benefit terms and let CardWise AI highlight rule changes.
What CardWise AI Never Touches
Built on NimbleScale’s human-in-the-loop and privacy-by-design principles, CardWise AI operates strictly on card product metadata—never your personal financial credentials.
chrome.storage.local.
Built by NimbleScale.ai
Have a credit card template request, bug report, or question about how CardWise AI works? Reach out to our team directly.
Contact the NimbleScale Team → ← Return to NimbleScale.ai Advisory