Frequently Asked Questions
Everything you need to know about Acardai.
Acardai is an AI-powered tool that helps you maximize your credit card rewards. Add your cards to your wallet, tell us what you're buying, and we'll recommend the best card to use for the highest rewards — every time.
Yes! Our free tier lets you track up to 3 cards, get best-card recommendations, and view your card benefits. Premium ($9.99/month) unlocks unlimited cards, loyalty program tracking, AI-powered travel planning, and more.
No. We never collect or store full credit card numbers, CVVs, PINs, or security codes. We only store card names, issuers, and reward categories to power your recommendations. Optional last-4 digits are for your identification only.
We earn revenue through Premium subscriptions and affiliate commissions when you apply for a new card through our links. Affiliate relationships never influence our recommendations — we always suggest the card that earns you the most rewards.
Our card catalog is compiled from publicly available issuer data and updated regularly. However, credit card terms change frequently, so we always recommend verifying earn rates directly with your card issuer before making financial decisions.
No. Acardai is an informational tool, not a financial advisor. Our recommendations are based on publicly available reward structures and your spending categories. We are not a registered investment advisor, financial planner, or credit counselor.
We take security seriously. Passwords are hashed with bcrypt, loyalty account numbers are encrypted at rest with AES-256-GCM, all connections use TLS/HTTPS, and access tokens expire every 15 minutes. We never sell your data.
Yes. You can export all your data as a JSON file from Settings > Privacy & Data at any time. You can also request account deletion, which includes a 30-day grace period before permanent removal.
Our catalog includes hundreds of credit cards from major issuers like Chase, Amex, Citi, Capital One, Discover, and more. We cover cash back, travel, business, and co-branded cards. The catalog is continuously expanding.
Absolutely. You can cancel from Settings > Billing at any time. You'll keep Premium access through the end of your current billing period. We also offer a full refund within 7 days of any charge.