Question 1

How does kardfolio work?

Accepted Answer

Add your cards from a database of 65+ premium cards or import your current wallet from CSV. Benefits are pre-loaded automatically. Select card-specific choices, mark benefits as used, get reminders before credits expire, ask Kai card-value questions, and see annual-fee ROI before renewal decisions.

Question 2

Does kardfolio require bank login or Plaid?

Accepted Answer

No. kardfolio does not require bank login credentials, Plaid connections, or transaction-feed access. You select which cards you have from a database of 65+ cards or import a CSV, then track benefit usage from that wallet context.

Question 3

How does Kai use my card data?

Accepted Answer

Kai can use the kardfolio context you choose to track, including card names, benefit details, usage progress, renewal dates, and annual fees. That context may be sent to third-party AI providers to answer practical card questions about expiring credits, annual-fee ROI, and keep, downgrade, or cancel decisions. Kai is AI assistance, not financial advice.

Question 4

Is kardfolio free?

Accepted Answer

kardfolio offers a free plan that lets you track up to 5 credit cards with full benefit tracking, expiration alerts, and ROI calculations. The Pro plan unlocks unlimited cards, advanced features, and priority support. No credit card is required to sign up.

Question 5

Does kardfolio have a mobile app?

Accepted Answer

Yes. kardfolio has a native iOS app on the App Store with push notifications, a daily benefit dashboard, and the full card catalog. There is also a web app that works on any device. Your data syncs across all platforms.

Question 6

How is this different from a spending tracker?

Accepted Answer

Spending trackers monitor transactions, categories, and budgets. kardfolio tracks the card perks you already pay for, such as statement credits, lounge access, insurance, and travel credits, then ties that usage back to annual-fee ROI and renewal decisions.

Question 7

Can I track benefits for multiple credit cards?

Accepted Answer

Yes. kardfolio lets you track multiple cards with separate dashboards. This is especially useful for cardholders with multiple premium cards who need to calculate ROI independently for each card.

Question 8

Can I import or export my card list?

Accepted Answer

Yes. You can import your wallet from a CSV file to get started faster, especially if you currently track cards in a spreadsheet or another tool. Pro members can also export their card list as CSV for backup and portability.

Question 9

How do I know if my annual fee is worth it?

Accepted Answer

kardfolio has a Fee Review feature that shows benefits captured vs. annual fee paid for each card. See your year-to-date ROI at a glance. If the number is positive, the card is earning its keep. If not, you know it might be time to downgrade or cancel.

Know what to use next, and which cards are worth keeping.

Start with what is still at risk.

One review ritual, three useful decisions.

Bring the sheet, or skip it.

Use the credits that need attention.

Know what each annual fee earned.

Card decisions, with clear data boundaries.

Common questions

Start the next monthly review with your real cards.