No bank login

It answers without ever seeing your accounts

Every other route to this answer starts by asking for your online banking credentials. CardSwipe takes a different route, and the ledger below is the whole of what it asks for.

Platforms: iOS 18, watchOS 11
Market: US cards
Launch: Late 2026
Bank login: Never asked

Given to other apps

Never asked, by CardSwipe

Bank username and password

—

Account balance

—

Full transaction history

—

Card numbers, CVV, expiry

—

Credit score

—

The cards you carry, typed in by product name

—

Merchant location, used to name the store and never stored

Running total collected by CardSwipe$0.00, zero credentials

Why it works without one

The rules do not live in your account

A card's earn rates are published by the issuer, identical for everyone holding that product. Reading your statements does not reveal them; it only reveals you. So CardSwipe keeps the rules and skips the statements.

Which cards you hold is one short list

Aggregation exists to discover your wallet automatically. Typing three to six card names takes under a minute, once, and removes the reason to hold a credential at all.

The merchant is a place, not a transaction

To answer before you pay, the app needs the store in front of you, not the purchase behind you. Location resolves that on the device, and it is never kept as a history of where you shop.

What is never collected cannot leak

There is no credential vault to breach, no token to revoke, and nothing to hand over on request. The strongest privacy guarantee is an empty table.

What you give up, stated plainly

Refusing credentials costs something, and pretending otherwise would be the salesy move.

No automatic spend tracking against a card's cap, so a 4x rate that has run out of headroom is flagged by date, not by your balance.
No auto-activation of issuer offers. CardSwipe reminds you; the tap is yours.
No automatic wallet discovery. A new card is a card you add by hand.

If those trades are worth it to you, the rest of the product is on how it works and compare.

Be the reflex, not the afterthought

Join the early access list. No bank login required to sign up, which is rather the point.

Get early access