Unified credit operating layer

One system.
Every card.

Card Hub turns every connected credit card into one unified control layer, intelligently routing balances and new spend across your stack so rewards, limits, and payment timing stay optimized automatically.

Founder access is limited. No spam, just launch updates.

Direct allocation logicBank-grade encryptionBuilt across major issuers

Investor Presentation

Open the shareable web deck for the $100,000 raise.

View Deck
A woman using Card Hub on her phone while lines connect to several credit cards.
Unified credit

$24,680

available across 6 connected cards

Smart routing

Live

best-card switching across rewards, APR, and limit usage

How It Works

Three moves from card chaos to one controlled credit layer

01

Connect your cards

Link your existing credit cards to Card Hub and bring every limit, statement cycle, and reward program into one secure control layer.

Card Hub move

Step 01

Aggregate issuer data into a single operating dashboard.

02

Smart routing

Card Hub intelligently routes balances and new spend across cards so utilization, APR, and reward-category fit stay optimized in the background.

Card Hub move

Step 02

Route each swipe based on live portfolio conditions.

03

One unified experience

Use one Card Hub control surface while rewards, protections, and available credit are tuned automatically across the cards you already own.

Card Hub move

Step 03

Present one card outward while optimizing many underneath.

Key Benefits

A premium control surface for every credit line you already have

Unified Balance Management

See all your credit across every card in one dashboard, with total available capacity, issuer-by-issuer exposure, and payment timing visible at a glance.

Single utilization view
Live available credit
Combined payment calendar
Portfolio-level risk signals

Smart Routing

Spend goes to the right card automatically based on rewards, balance pressure, and issuer limits.

Rewards Optimization

Never miss a category bonus again. Card Hub keeps your highest earning card in play without manual switching.

Zero Missed Payments

Card Hub manages due dates across all cards so payment timing, statement windows, and autopay coverage stay visible and under control in one place.

Trust Layer

Built for people who take their finances seriously

Serious credit users need one source of truth, not another cluttered fintech toy. Card Hub is designed to feel precise, quiet, and in control.

$0

annual fee

256-bit

encryption

5 min

setup

Early Access

Get first access to the unified card experience

Join the waitlist for launch updates, priority onboarding, and the first wave of Card Hub access.

Early members get front-of-line access to the closed beta.