Kaldex: Card Rewards Tracker

See how much you're leaving on the table. Kaldex connects to your credit cards and scores every transaction. 4,000+ cards, 113 merchant rules. Free to download.

Kaldex connects to your credit cards and shows you exactly how much you're leaving on the table.

Your Smart Usage Score measures how well you're optimizing rewards across your entire wallet. See which card you should have used at every merchant, track how much you earned vs how much you could have earned, and get AI-powered insights about your spending habits.

HOW IT WORKS

• Connect your cards securely via Plaid — the same infrastructure used by Venmo, Robinhood, and thousands of banking apps
• Kaldex analyzes your transactions and scores each one against the best card in your wallet
• See your Smart Usage Score — a single number that tells you how well you're doing

WHAT YOU'LL DISCOVER

• How much you're leaving on the table each month
• Which card to use at every merchant for maximum rewards
• Bonus category tracking with annual cap monitoring
• AI insights on spending shifts, habits, and projected annual rewards

BUILT FOR REAL OPTIMIZATION

• 4,000+ credit cards supported
• 50+ spending categories
• 113 merchant-specific bonus rules (Kroger subsidiaries, Uber vs Uber Eats, Costco gas, and more)
• Cashback and points tracking with custom valuations

YOUR DATA IS SECURE Kaldex uses Plaid's bank-level security infrastructure. Your login credentials are never stored on our servers. All data is encrypted in transit and at rest.

KALDEX PREMIUM Some features — including bank account linking, Smart Usage Score tracking, and personalized AI insights — require a Kaldex Premium subscription. Kaldex Premium is free to try. After your trial period, a subscription fee will be billed either monthly or annually, depending on which plan you select. Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless canceled at least 24 hours before the end of the current period. You can manage and cancel your subscription in your Apple ID account settings.

Terms of Use: https://www.kaldex.ai/legal-terms/terms-of-service Privacy Policy: https://www.kaldex.ai/legal-terms/privacy-policy