A mind for your money.
Time is money. IQ saves you both.
Like having a personal CFO for your life.
Membership is currently invite-only.
Join the waitlist and we’ll contact you when it’s your turn.
Talk to your card,
it talks back
Yes, let me check if they have any availability.
Done — both cards updated with new rules.
Your auto insurance payment is 15% higher than others in your area. Want me to reach out and negotiate a better rate?
I just found a price drop for your flight to Italy you purchased for 9/1 – 9/14. I’ve submitted a claim to American Airlines, and you’ll be refunded a difference of $374.13 in 3–5 business days.
Your Figma subscription is renewing in 7 days. Your IQ card gets 5% boosted cash back at this merchant, want me to swap this card for future billing?
Your AI agent works around the clock — booking reservations, creating virtual cards, negotiating your bills, and catching savings on every charge.
Apply NowA card without compromises
Best-in-class rewards. Total control. A built-in AI agent. No trade-offs.
Apply NowA card from the future, available today
You’ve spent 23% more on coffee this month than you usually do, want to update your card limits?
yes, block any Blue Bottle purchases over $7 from now on
Your AI agent spots overspending and suggests what to do — you stay in control. Use ours, or connect your own.
This month’s spend
$8,491.38
Subscriptions
Netflix
$9.99 in 3 days
Hulu
$12.99 in 7 days
Cancel subscriptions automatically and stay on top of your finances with weekly spend reports.
Virtual Cards
Groceries
$100 daily limit
•••• 1234
Active
Vacation
$1,000 limit
•••• 4567
Expires in 7 days
Hulu Trial
One-time use
•••• 8910
Expires in 24 hours
Create unlimited virtual cards and set custom limits with complete control.
$384.40
Saved on AI token spend this month
Exclusive rewards and perks based on your spending habits.
Rewards you’ll actually use.
A card that’s more than a coupon book.
Rewards
$1,319.04
This month
$1,781.31
Earned this month
Cashback that compounds
Auto-invest your cashback into any stock, cryptocurrency, or savings account — and watch it compound over time.
$155,426
Average monthly spend
$15,000
Avg 2.5% cash back auto-invested monthly
Benefits & perks
Claude Max