Credit card management, simplified
One Payment. Every Card.Total Control.
Manage multiple credit cards in one place. See your balances and due dates, choose a payment strategy, and make one payment split across your linked cards.
Request a Beta InvitationJoin the waitlist to receive your sign-up link as invitations become available.
.png)
A simpler way to manage and pay multiple credit cards
Bring your monthly card routine into one place. Connect your cards, review a payment strategy, and track the result for each card.
Connect your cards
Bring linked card balances and due dates into one view.
Choose your payment strategy
Review an Avalanche, Snowball, or custom allocation before authorizing your payment.
Track your progress
Get visual insights on balances, interest saved, and how fast you’re paying things off.
Security You Can Trust
Plaid-Secured
Bank connections powered by Plaid, the trusted standard used by major fintechs.
Bank-Level Encryption
Your data is protected with 256-bit encryption in transit and at rest.
No Stored Credentials
We never store your bank login or card details on our servers.
Compliance First
Built to meet industry-standard security and privacy protocols.
CardFlow Features
One Payment to All Cards
Simplify your finances with one monthly payment that gets distributed across all your credit cards.
Real-Time Syncing
See all your balances, due dates, and APRs in one place — updated automatically.
Custom Paydown Plans
Use Avalanche or Snowball strategies, or let CardFlow auto-optimize based on your goals.
No Hidden Fees or Gimmicks
Transparent pricing. You’re always in control.
Total control without friction.
Drag the slider to explore how the payment preview changes as you move from minimum payments to debt paydown.
Monthly payment
$920
Interest saved
$147
Cards linked
6
Payoff strategy
Avalanche
Months to debt-free
23
Illustrative preview only. These figures are not a personalized payoff estimate.
Built for People Who Want Peace of Mind
“CardFlow Financial is such a smart idea! I can't wait to use the app!”
All Your Cards. One Smart Hub.
Tired of juggling multiple credit cards, due dates, and payment strategies? CardFlow makes managing debt easier, smarter, and stress-free.
Secure Card Syncing
Link your credit cards safely using bank-level encryption and view everything in one secure dashboard.
Smart Paydown Strategies
Choose from Snowball, Avalanche, or let our smart system build a hybrid strategy tailored to your situation. No guesswork. Just progress.
One Monthly Payment
No more managing multiple payments. Make one monthly payment from your bank account, and we’ll take care of splitting it across your credit cards.
Progress You Can See
Get real-time insights into your debt payoff journey. See how much you’ve paid, how much interest you’ve saved, and when you’ll be debt-free.
Reminders + Alerts
Never miss a due date again. Set up notifications to stay on top of your payments and financial progress with ease.
No Guesswork. Just Results.
Track your momentum. Celebrate milestones. Stay consistent with a clear plan and a beautifully simple interface that keeps you motivated.
Simple, transparent pricing.
Your CardFlow subscription is separate from your credit card payments. Cancel anytime — no hidden fees, no contracts.
Beta
First 50 beta members only
- Unlimited card connections
- Full access to all features
- Priority support
- Exclusive updates
Standard
After beta spots are filled
- Unlimited card connections
- Full access to all features
- Standard support
Annual
42% savings vs. monthly
- Everything in Standard
- 42% discount
- Unlimited card connections
- Full access to all features
Questions, answered with clarity.
CardFlow is a smart credit card management app that lets you pay all your credit cards from one dashboard. Instead of logging into multiple accounts or juggling spreadsheets, you make one monthly payment, and CardFlow automatically splits it across your linked cards based on your chosen payoff strategy.
CardFlow analyzes your due dates, APR, and balances to help determine the best payment strategy for you. Connect your cards securely using Plaid, make one monthly payment through CardFlow, and we handle the rest — your payment is automatically split across all your cards.
Yes. CardFlow uses bank-level encryption and trusted partners like Plaid. We never store your login credentials and comply with industry-standard security protocols.
CardFlow is $5.99/month for the first 50 beta users, and $12.99/month standard once those spots are filled — or $90/year, which is a 42% discount. Your CardFlow subscription is a monthly subscription separate from your credit card payments.
Yes. You can cancel your subscription anytime in the My Subscription tab — no hidden fees or contracts.
Learn the basics
Credit card management guides
Practical guides for managing multiple credit cards, organizing due dates, making one payment across cards, and comparing payoff strategies.
How to manage multiple credit cards without the monthly scramble
Build a simple system for multiple credit cards: track balances, due dates, minimum payments, and your payoff priorities in one place.
Read 2 min readCan you pay multiple credit cards with one payment?
Learn how one payment can be distributed across multiple credit cards, what stays separate, and what to check before using a payment app.
Read 2 min readHow to organize credit card payments and due dates
Create a practical credit card payment calendar that separates due dates, planned payments, and confirmed posting across your cards.
Read 2 min readDebt snowball vs. avalanche: how to choose your next payment target
Compare debt snowball and avalanche with a three-card example, and learn what to check before directing extra payments toward one balance.
Read
CardFlow beta is open by invitation
Managing three or more credit cards? Join the waitlist for a beta invitation. We are welcoming a limited group and sharing sign-up links as invitations become available.