We analyze your debit and credit cards to recommend the best one to pay with,
so you earn more, save more, and grow financially.
In credit card rewards go unredeemed every year
Lost daily to avoidable interest charges
Purchase decisions the average person makes per year
Spent on credit cards in the US last year — most of it on the wrong card
We analyze your full financial picture in real time and tell you exactly which card to use.
Gain clarity around why we recommend each card, the benefits and the trade-offs behind every decision.
"Should I use my Amex for groceries today?" Get a personalized answer in seconds.
A real-time score of how well you're managing your cards and money.
See your spending by card, category, and time period. Easily spot trends at a glance.










We analyze your full financial picture in real time and tell you exactly which card to use.

Gain clarity around why we recommend each card, the benefits and the trade-offs behind every decision.

"Should I use my Amex for groceries today?" Get a personalized answer in seconds.

A real-time score of how well you're managing your cards and money.

See your spending by card, category, and time period. Easily spot trends at a glance.


Just download the app for free on iOS and Android

Link your debit and credit cards for your recommendations

Get recommendations on the optimal card to use
We support 12,000+ banks via Plaid. Securely link your debit and credit cards to get your personalized recommendations.
Real protections, not buzzwords. We use bank-grade encryption, Plaid-secured connections, and read-only access, so your money and data stay yours.
Your data is protected with 256-bit SSL encryption at every step, in transit and at rest.
We never see or store your login credentials. Plaid handles the secure connection to your bank.
KlevrPay can only view your data. We can never move money or initiate transactions on your behalf.
Your financial data is yours. We never sell, share, or monetize your personal information. Full stop.
Face ID and fingerprint authentication keep your account locked down so only you can get in.
Real humans are here to help. Reach out anytime and a real person will respond, no bots, no runaround.