Every card. One tap. The best reward.
More from every moment.
Protos picks the right card for every purchase, helping you capture more rewards while building healthier financial habits.
One tap
Your best card, chosen automatically
Every day
Rewards that add up to more choice
The quiet leak
Most wallets are full of rewards nobody is collecting.
active credit cards per consumer
Experian, 2025
of rewards cardholders have unused rewards
LendingTree, 2025
believe their card use always maximizes rewards
J.D. Power, 2025
more cash back on groceries with the right card vs. a flat 1% card
Illustrative comparison
Tap simulator
Watch Protos choose.
Pick where you’re paying. Protos scores every card in your wallet for that merchant and charges the winner.
Choose a merchant to simulate a tap.
Grocery card
6% here
+$5.05
Dining card
1% here
+$0.84
Travel card
1% here
+$0.84
Flat 2% card
2% here
+$1.68
Debit card
0% here
+$0.00
Rewards calculator
How much are you leaving on the table?
Starts at 30% of income. Drag to adjust.
Where the money goes
Cards I have
Grocery card earns 6% on groceries up to $6,000 a year, then 1%.
Extra rewards a year
$480 today vs. $969 with Protos.
- Groceries → Grocery card$360
- Dining → Dining card$117
- Gas → Gas card$72
- Travel → Travel card$90
- Streaming, phone & utilities → Bills card$108
- Everything else → Flat 2% card$222
Today assumes the U.S. average earn rate of 1.6% per dollar (CFPB, 2025). Estimates for illustration only. Actual rewards depend on your cards and card terms.
What it could do
What +$489 a year could do for you.
Travel
≈ 1.2
round-trip flights a year, at $400 each.
Weekend away
≈ 0.8
weekend getaways, at $600 each.
Everyday
≈ 24
months of streaming covered, at $20 a month.
Pay down debt
7
months sooner debt-free, if the extra rewards go to the balance each month.
$404
interest saved.
Amortized at 22.15% APR with $200 monthly payments (Federal Reserve G.19 average for accounts charged interest, Q2 2026).
Invest it
$6,756
in 10 years at a hypothetical 7% return, contributing the extra rewards each year.
Hypothetical illustration, not financial advice.
Rewards with somewhere to go
Make room for the memorable.
Smarter rewards can become more of what matters to you — a weekend away, the trail you have been saving, or simply more breathing room.
Designed to disappear
One considered object. Your whole wallet behind it.
Quiet in your hand, intelligent at the moment of purchase. Protos is designed to make better card choices feel effortless.
One card. A whole wallet behind it.
Matte black, minimal, and designed to keep the technology behind the tap out of sight.
The Protos mark
Built to move quietly with you.
A single symbol for the cards, choices, and goals you bring together with Protos.
Use the upside your way
Good habits. Better possibilities.
Protos helps you make informed card choices and organize your goals. What you do with the difference is entirely yours.
How it works
One card in your pocket. Every card behind it.
1Link
Add every credit card, debit card and loyalty account once.
2Tap
Pay with one Protos card, physical or in your phone wallet.
3Decide
The engine scores every card for this merchant, amount and moment.
4Earn
Protos charges the winning card and shows what you earned vs. your default.
Protos Goals
Goals steer where every purchase goes.
Protos stops charging cards that carry a balance and steers spending to cards you pay off.
In the app
Your whole wallet, one screen.
Wallet
- Grocery card6% groceries
- Dining card3% dining
- Travel card3% travel
- Flat 2% card2% everywhere
- Debit cardNo rewards
Purchase alert
Grocery store
$84.20
Grocery card
+$5.05
$3.79 more than your default card
Dining card · +$0.84
Flat 2% card · +$1.68
Debit card · $0.00
Goals
Pricing
Pay for the card that pays you back.
Plus
$8/month
- Automatic card choice on every purchase
- Unlimited linked cards
- Advice on how to redeem points
Premium
$15/month
- Everything in Plus
- Protos Goals: debt payoff
- Credit building
- Mortgage prep
If Protos doesn’t earn you more than it costs in your first year, we’ll refund the difference.
Pricing is planned and may change.
Trust & security
Built on trust from the first tap.
Handing a product your cards takes confidence. Here is what that confidence buys.
Bank-level protection
Your connection to your accounts is encrypted in transit and at rest, and strictly read-only. Protos can see activity — it can never move money or make a purchase.
Your data stays yours
We never sell your personal information. What you spend and where is used for one purpose only: picking the card that earns you the most.
Leave anytime
Disconnect your accounts and delete your data whenever you like. No lock-in, no hoops — it was yours before it was ours.
Protos is in pre-launch. Security and data practices will be finalized and documented before public availability.
Questions
The things people ask first.
Something else on your mind? Join the waitlist and reply to our first email — it reaches a real person.
Stop guessing which card to use.
Join the Protos waitlist and we’ll let you know the moment your card is ready.