In Beta — Request Access

Your cards.
Fully unleashed.

Gild optimizes every purchase to earn you the most money back — all without a second thought.

Request Beta AccessSee how it works
4× points earned
Amex Gold selected
$47 saved this month
GILD9:41
Nobu Restaurant · Midtown
Best for this purchase
Amex GoldBEST MATCH
4× points · Dining & Restaurants
Alternatives
Chase Sapphire Reserve3× pts
Citi Double Cash2% cb
The Problem

Billions in rewards go
unclaimed every year.

$1,000
Average rewards left unclaimed per US household annually — not from lack of cards, but wrong card choices at the moment of purchase.
175M
Americans hold 3 or more credit cards but route nearly all spending through just one, leaving the majority of rewards untouched.
94%
Of rewards cardholders cannot identify which of their cards earns the most in each spending category without looking it up.

You already have the answer.

We built the solution.

Introducing Quick Pay

The right card.
Before you ask.

No deliberation at the register. The answer is already yours — just one tap away.

  • Arrives before you do: your checkout is already in context.
  • Live optimization across your connected cards.
  • Frictionless, one-tap launch when you’re about to pay.
  • Wallet opens ready: right card, right now, zero hunting.
01
Match the moment
Pin down what you’re about to pay for so the pick fits the situation—not a generic default.
02
Compare your lineup
Line up every card you’ve linked against the same purchase and see where the upside is.
03
Pick the card to use
Call out one card as the best play for right now, before you’re at the reader.
04
Jump straight to payment
Open Apple Wallet on that card—one tap, no digging through passes or guessing.
Amex GoldTOP PICK
4× Membership Rewards points
Best earn we’d use on this purchase
Welcome to The Secretariat

Working while
you sleep.

Your personal team of 24/7 financial advisors running silently in the background. The Secretariat monitors your card ecosystem, activates cash back offers before they expire, and delivers structured intelligence on your rewards — without you prompting it once.

  • Auto-activates offers across all your credit cards, loyalty programs, and cash back portals
  • Daily progress reports with rewards earned and optimization opportunities
  • Renewal and expiration alerts before you lose out on money back
  • Goal tracking across your entire card portfolio
The Secretariat
Daily Intelligence Report
Active
↗
3 offers auto-activated
Chase: $10 back at Shell. Amex: 20% at Hilton. Citi: $5 at Instacart.
+$47.20 potential value
◎
Spend pattern detected
$380 dining last month on Chase Freedom — routing to Amex Gold would have earned $11.40 more.
⚑
Annual fee in 14 days
Amex Platinum renews at $695. Your net value this year: +$412 after fee.
Worth keeping
→
Goal progress: Japan trip
84,200 of 120,000 ANA miles. At current pace: 6 weeks remaining.
This Month
Total rewards earned$247.80
Offers activated11
Optimization gain+$63.40 vs. prior month
Pricing

The subscription that
pays for itself.

Gild One
*Price pending
  • ✓Unlimited connected cards
  • ✓Quick Pay — instant card recommendations at stores, restaurants, online shopping, and more
  • ✓Apple Wallet deep-link at point of sale
  • ✓The Secretariat — always-on background intelligence
  • ✓Daily progress reports, weekly summaries, and monthly statements
  • ✓Auto-activated offers across your credit cards, loyalty programs, and cash back portals
  • ✓Full spend intelligence and optimizations
  • ✓Multi-goal tracking and prioritization
  • ✓Annual fee net value analysis
  • ✓Rewards expiry warnings
  • ✓Card benefit usage reminders
Request Beta Access

Pricing subject to change.

Beta Access

Join the beta.
Or say hello.

Gild is in active TestFlight beta. Request access below and we'll review your submission before sending an invite. Investors, partners, and press — we'd love to hear from you too.

We read every submission. No spam, ever.