卡利Cardli | 信用卡回饋比較·刷卡推薦選卡 vs BYOSW

卡利 Cardli 是給台灣多卡族的信用卡回饋比較與刷卡推薦工具。結帳前輸入店家、消費類別或金額，先知道這筆可能刷哪張卡更適合。 免費版可用全卡庫查詢，適合先看市場上哪些卡片有機會拿到較好回饋；Pro 可只從你已新增的卡片中精算，讓推薦更貼近日常持卡組合。 你可能適合 Cardli，如果你常遇到： - 站在櫃台前不知道這筆該刷哪張卡 - 手上有多張卡，記不住每張卡的通路、上限與條件 - 想比較信用卡現金回饋、點數、哩程與指定通路活動 - 刷完後想把消費、帳單與預估回饋整理起來 - 容易忘記帳單日、繳款日或分期付款 核心功能 結帳前查刷哪張 輸入商家、通路、消費場景、付款方式或海外消費需求，快速比較信用卡與預估回饋。免費版支援全卡庫查詢；Pro 支援只用自己的卡片精算。 信用卡與帳單管理 新增並管理自己的信用卡，集中查看卡片、帳單日、繳款日、待繳金額與常用資訊，降低漏繳風險。 刷完後記帳 支援手動記帳、發票掃描、帳單截圖整理與 Email 帳單匯入；iOS 27 以上可透過「捷徑」在收到銀行通知時記帳，較舊的 iOS 版本可用截圖辨識記錄交易；免費版確認後入帳，Pro 會員可開啟自動記帳。 回饋與額度追蹤 查看預估回饋、回饋上限、活動條件、消費分類、月度趨勢與卡片使用狀態。實際回饋仍以銀行與活動公告為準。 Pro 進階功能 - 個人化智慧選卡：從你的持卡組合中推薦適合卡片 - 回饋上限與條件記錄：整理回饋條件、上限與使用進度 - 消費分析：依商家、分類、月份與卡片查看消費 - Email 帳單匯入：整理銀行帳單郵件 - 年費、分期、預算與訂閱管理 資料安全 卡利只儲存管理與提醒所需的卡片基本資訊，不會要求或儲存完整卡號、有效期限或安全碼。你可以在 App 內刪除帳號，也可以來信申請刪除；刪除後雲端資料會永久移除且無法復原。 先用免費版查一筆消費，再依需要升級 Pro 做個人卡庫精算。讓信用卡不只是付款工具，而是每次結帳前都能更清楚的選擇。

byosw is built for the times you spend money with other people — group trips, shared rent and utilities, dinners with friends, gifts for someone, family expenses. It tracks who paid, who owes whom, and settles with the fewest transfers. 【Sound familiar?】 • Eight friends took turns paying on a trip, and now nobody can untangle the currencies. • Roommates split utilities, but the bill is different every month and someone always feels shortchanged. • Dinner for six, but two skipped the appetizers and one didn't drink — splitting evenly isn't fair. • A group gift where everyone chipped in different amounts. • You spotted a friend a cab fare three months ago and forgot. byosw handles all of these. 【How it fits real life】 • Travel: Create a "Tokyo Trip" group, log expenses as they happen. At the end, byosw tells you who should transfer what to whom — usually two or three transfers settle the whole trip. • Roommates: Create an "Apartment" group, split utilities by your preferred ratio (room size, headcount, or usage), and clear it month-end with one tap. • Dinners: Open the app at the table, enter amounts and pick who joined — people who didn't come don't pay. Shared appetizers and individual drinks both work cleanly. • Reimbursements: The Friends tab aggregates debts across all your groups, so you see at a glance who owes you and who you owe. • Multi-currency: Yen for souvenirs, TWD for the hotel, USD for the taxi — auto-converted to your preferred currency. 【Why byosw】 byosw covers every step of splitting expenses in one place: • Four split methods: equal, exact, percentage, shares • Live multi-currency conversion • Smart settlement (minimum transfers to clear all debts) • Real-time push notifications, activity history, friend system • Three sign-in methods, three languages, light/dark themes Settle the money, then go enjoy each other's company. 【Privacy】 byosw does not collect your precise location, and does not sell or rent your data to third parties. Receipt images stay on your device only and are never uploaded to our servers. Full privacy policy: https://byosw.fcreps.com/privacy/ 【Account Deletion】 Delete your account anytime via "Account → Danger zone → Delete account" within the app. Personal data is removed immediately. 【Support】 Questions or feedback: support@fcreps.com