Everything Payeka does
Every feature, in one place
From unified credit to automatic routing to payment reminders — here's the full picture of what Payeka does for you.
Your rewards, finally working for you
Payeka tracks every cashback point, mile, and reward across all your linked cards in one place — and lets you redeem them all with a single tap.
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Statement credit
Apply rewards directly to your card balance to reduce what you owe.
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Transfer to savings
Move your cashback straight into your savings account automatically.
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Travel & miles
Redeem points for flights, hotels, or transfer to airline partners.
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Gift cards & more
Redeem for gift cards, merchandise, or whatever your card issuer offers.
You earned it. We make sure you actually use it.
Master credit limit
See all your available credit combined into one real-time number.
Per-card balance tracking
Individual available credit, credit limit, and utilization for every linked card.
Utilization alerts
Get notified when any card's utilization crosses a threshold you set.
Auto-refresh balances
Card balances sync automatically every 24 hours — no manual updates.
Unlimited card linking
Add as many cards as you own. No cap on the number of linked cards.
Supports all major networks
Visa, Mastercard, Amex, Discover, and more.
Category-based routing rules
Assign each spending category (fuel, grocery, dining, travel, etc.) to the card that earns the best rewards.
12 preset spending categories
Fuel, grocery, dining, travel, shopping, entertainment, utilities, health, subscriptions, and more.
Custom categories
Create your own spending categories for anything the presets don't cover.
Per-purchase override
Manually route any individual transaction to a specific card, overriding your default rules.
Rewards optimization suggestions
Payeka recommends the best card for each category based on your stated rewards rates.
Automatic fallback routing
If your primary card is declined or maxed, Payeka automatically routes to the next best available card.
Unified rewards dashboard
See every card's cashback balance, points total, and miles in one place — no logging into 8 different apps.
One-tap statement credit
Apply any card's cashback directly to its statement balance with a single tap. No forms, no phone calls.
Transfer to savings account
Move cashback rewards straight into your linked savings account automatically — your money, your way.
Miles & travel redemption
Redeem points for flights, hotels, or transfer to airline and hotel loyalty partners directly from Payeka.
Gift card & merchandise redemption
Redeem for gift cards or merchandise through your card issuer — Payeka surfaces all available options.
Rewards expiry alerts
Get notified before any points or miles are about to expire so you never lose what you earned.
Rewards earning tracker
See exactly how much cashback or how many points each purchase earned, in real time.
Best redemption suggestions
Payeka analyzes your rewards balances and suggests the highest-value redemption option for each card.
Unified payment hub
See every card's statement balance, minimum due, and due date in one dashboard.
Multi-card due date reminders
Reminders 7 days, 3 days, and 1 day before each card's due date.
Pay all cards from one screen
Initiate payments to any linked card directly from the Payeka app.
Minimum vs. statement balance view
Always see both the minimum payment and the full statement balance side by side.
Monthly spend summary
Total credit card spend across all cards for the current billing cycle.
Payment history log
A record of every payment made through Payeka, per card.
Automatic purchase splitting
Large purchases that exceed one card's available credit are split across multiple cards automatically.
Split preview before purchase
See exactly how a large purchase will be split before you confirm.
Custom split rules
Define your own split priority — which cards to use first, second, and third for overflow.
Split transaction history
Every split purchase is logged with a full breakdown of which card received which portion.
256-bit AES encryption
All card data is encrypted at rest and in transit using bank-level standards.
Tokenized card storage
Full card numbers are never stored — only secure tokens.
No hard credit inquiries
Linking cards to Payeka never affects your credit score.
Zero data selling
Your financial data is never sold or shared with third parties.
Two-factor authentication
Secure your Payeka account with 2FA via SMS or authenticator app.
Payeka vs. managing cards manually
Here's what changes when you stop juggling and start using Payeka.
Task
Managing manually
With Payeka
Know your total available credit
Add up each card's balance in your head or on a spreadsheet
One number, updated automatically
Use the right card for each purchase
Memorize which card earns what, then remember to grab the right one
Automatic — Payeka routes every purchase to the best card
Make a purchase larger than one card's limit
Declined. Split manually across two cards at checkout — awkward.
Automatic split across cards, seamless at checkout
Track due dates across all cards
Check 8 different apps or statements, set 8 separate calendar reminders
All due dates in one view, reminders sent automatically
Pay all your cards
Log into each bank's app or website separately
Pay all cards from one screen in Payeka
Avoid missing a payment
Hope you remembered — or pay a late fee
Reminders 7, 3, and 1 day before every due date
See your total monthly credit spend
Export statements from each card and add them up
Automatic monthly spend summary across all cards
Monitor card utilization
Log into each card's app and check individually
Utilization shown per card and in aggregate, with alerts
Check your rewards & cashback balances
Log into each card's portal separately and add them up
All rewards in one dashboard, updated automatically
Redeem cashback or points
Navigate each bank's redemption portal, fill out forms, wait days
One tap — statement credit, savings transfer, or travel redemption
Stop managing. Start using.
Everything above is available the moment you link your first card.
Get Started FreeFree to start · No credit card required