No. Applying for and using credit cards may affect your credit score, but using our recommendation app will not affect your credit score.

CardGuru is an AI-assisted credit card recommendation app.

We designed it to help you find the most suitable credit cards and rewards programs based on your spending profile. CardGuru analyzes your input, cross-referencing it with our extensive card database, and offers personalized recommendations to maximize your rewards, benefits, and savings.

We are initially launching CardGuru for the Canadian credit card market. Expansion to US, Australia, and other countries will be coming soon.

Absolutely. We take user privacy and data security seriously. All information you provide is encrypted and stored securely. And we never share your personal or financial data with any third parties without your consent.

Yes, CardGuru is free to use.

There are no hidden charges or subscription fees to our service. Our goal is to help you make informed credit card decisions without any financial barriers.

When you choose to apply for a recommended credit card through CardGuru, we may receive compensation from our referral partners. This revenue helps us continue providing a free, valuable, and unbiased service to our users.

Yes, you can. Once you’ve reviewed the recommended credit cards and selected the one that suits you best, CardGuru provides you with a direct link to the issuer’s application page. You can easily start the application process right from the app.

There’s three steps:

1. First, users input their spending profile: categories of expenses, average monthly spending, and preferred benefits.
2. Then, our AI algorithms cross references this input with our comprehensive credit card database and machine learning model.
3. Finally, we display recommended cards tailored to the user’s financial needs.

From there the user can browse and learn more about our recommendations and choose to apply for a card.

To ensure that our recommendations are accurate, you may be asked to provide details such as your monthly spending across different spending categories (e.g., groceries, dining, travel, gas), your preferred types of rewards (e.g., cashback, points, miles), and any specific benefits you’re interested in (e.g., travel insurance, no foreign transaction fees).

We don’t ask for your current credit card number, credit score, or personal identifiable information.

Absolutely. We are committed to providing unbiased and transparent recommendations. CardGuru considers a wide range of factors, including benefits, fees, rewards, and user preferences. We don’t favour any specific credit card issuer.

Yes! You can share the credit card recommendations provided by CardGuru with friends and family. Just keep in mind that everyone’s financial situation is unique, so what works for one person may not be the best fit for another.

Making use of the power of generative AI lets CardGuru uncover insights and strategies that might not be immediately apparent when using traditional methods.

It’s like having a personalized consultant that explores possibilities beyond the ordinary!