PowerPay connects all your credit cards and shows you your true spendable balance — so you capture every dollar of cash back without ever carrying a balance.
No spreadsheets. No mental math. Just connect once and PowerPay handles the rest.
Sign up in under two minutes. No credit card required. Start with the free plan — upgrade when you're ready.
Link every credit card you own via Plaid. Your credentials are never stored — just a secure read-only connection.
PowerPay tracks your balance daily and knows exactly when each card's statement is about to close.
You get an SMS before each statement closes. Open the app, confirm, pay. Interest gone — rewards kept.
Built for people who want the rewards without the risk — not another app tracking 47 metrics you never look at.
Connect every credit card you own and see your true total balance in a single view — no manual entry, ever.
Your balances update every day so you always know exactly where you stand, down to the dollar.
SMS alerts land before each card's statement closes — with the exact amount to pay to wipe interest completely.
Paying in full keeps your utilization low. PowerPay helps you build a stronger credit profile automatically.
Already carrying a balance? The avalanche and snowball optimizer builds a personalized paydown plan.
Powered by Plaid. Your credentials are never stored by PowerPay. All data encrypted with AES-256.
From our beta — before we started charging.
"I had four credit cards and genuinely had no idea what I owed total. PowerPay fixed that in five minutes. Haven't paid a cent of interest in three months."
"The SMS alert the day before my statement closes is the whole product for me. I pay it, I'm done. The cash back just shows up and I never stress about it anymore."
"I was paying $80–$90 a month in interest without realizing it. That's over $1,000 a year. PowerPay showed me the math and I haven't paid a cent since."
Start free. Upgrade when you see how much you're saving.
No credit card required to start · Cancel anytime · All plans include bank-level encryption
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