Your credit, finally working as one
Payeka sits between you and your credit cards. You spend with one card. We handle everything behind the scenes — routing, splitting, tracking, and reminding.
Connect every card you own in under 2 minutes
Add your credit cards by entering the card details or connecting through your bank. Payeka reads your available credit, credit limit, APR, and due dates — giving you a complete picture instantly.
- Supports Visa, Mastercard, Amex, Discover, and more
- Bank-level 256-bit encryption on all card data
- Balances refresh automatically every 24 hours
- Add as many cards as you have — no limit
Tell Payeka which card earns the most for each category
Assign each spending category to the card that earns the best rewards for it. Fuel on your BofA card for 3% cash back. Groceries on Chase for 5%. Travel on Citi for 2x miles. Set it once and forget it.
- 12 preset spending categories to assign
- Create custom categories for your lifestyle
- Override routing on any individual purchase
- Payeka suggests the best card based on your rewards
Use your Payeka card everywhere — we route it automatically
Your Payeka card is accepted anywhere credit cards are. When you swipe, tap, or enter your card number, Payeka instantly routes the charge to the right card based on your rules. No thinking required.
- Works online, in-store, and contactless
- Routing happens in milliseconds at point of sale
- Large purchases split automatically across cards
- Real-time push notification shows which card was charged
Never miss a due date on any of your cards
Payeka tracks every card's statement balance, minimum payment, and due date. Get reminders before each due date, see your total monthly obligation at a glance, and pay directly from the app.
- Reminders 7 days, 3 days, and 1 day before due dates
- See minimum due vs. statement balance for every card
- Pay all cards from one screen
- Track your total monthly credit card spend in one view
Common questions
Everything you need to know before getting started.
Ready to unify your credit?
Set up takes 2 minutes. No credit check, no commitment.
Get Started FreeFree to start · No credit card required