One card.All your credit.
Stop juggling 8 cards. Payeka combines all your available credit into one smart card that automatically routes every purchase to the right card — maximizing rewards and minimizing stress.
Up and running in minutes
Three steps to financial clarity.
Add your cards
Link all your credit cards securely. Payeka reads your available credit, limits, and due dates automatically.
Set your rules
Tell Payeka which card to use for fuel, groceries, dining, and more — so you always earn the best rewards.
Use one card
Spend with your Payeka card anywhere. We handle the routing, splitting, and tracking behind the scenes.
Everything working for you
Your credit cards are already powerful. Payeka makes them work as a team.
See all your credit as one powerful number
No more mental math across 8 cards. Payeka adds up every available dollar and shows you exactly what you have to spend — in real time.
Every purchase goes to the right card automatically
Assign cards to categories. Payeka routes fuel to your BofA card for 3% back, groceries to Chase for 5% back — without you thinking about it.
Never miss a due date across any card
See every card's statement balance, minimum due, and due date in one dashboard. Pay them all from one place with one tap.
Big purchases split automatically across cards
Need to spend $15,000? Payeka splits it across your available balances seamlessly — no declined cards, no manual juggling.
Your credit is working. Are you?
Join thousands of people who stopped juggling cards and started making their credit work smarter.
No credit card required · Free to start