Agentic AI · Credit Cards
The right card, on every swipe.
A Credit Card agent that optimizes which card you use, maximizes rewards, kills annual fees that aren't paying for themselves, and never carries a balance by accident.
What the agent would do
A glimpse of credit cards, fully agentic.
- ✓Routes each purchase to your highest-earning card automatically
- ✓Auto-pays statements in full to protect your credit and 0% APR
- ✓Audits annual fees and downgrades cards that don't earn their keep
- ✓Watches for retention offers, signup bonuses, and category bumps
🤖KAI · Credit Cards Agent
Am I using my cards optimally?
Mostly. You're leaving about $312/year on the table by putting groceries on your travel card (1x) instead of your cash-back card (3x). Also: your Sapphire annual fee is up in 12 days. Last year you earned $640 in points value, so it pays for itself — keep it. But your store card with the $95 fee earned you $42 in rewards. I'd downgrade that to the no-fee version.
Make those changes and route my spending automatically.
Done. Auto-routing rules live: groceries → cash-back card, dining/travel → Sapphire, everything else → 2% flat. Store card downgrade submitted. Projected extra rewards next 12 months: about $410.