Every tap pays with your best card.
Meridian is one card that automatically routes every purchase to the card in your wallet that earns the most. No app to open. No cards to juggle. Just tap.
Join the waitlist. Access opens in waves, founding members first.
Like Apple Pay, but a card that picks your best card.
Meridian turns the cards you already have into one card that always pays with the one that earns the most. No phone at the register, no new credit line.
Add your cards
Connect the credit cards you already carry. Meridian knows their points, categories and rotating bonuses.
Carry one card
Meridian becomes the only card you pull out. Leave the rest at home.
Tap to pay
Each tap is routed to your highest-earning card for that merchant, inside the same tap.
A smarter layer on the cards you already trust
Your points, protections and statements stay with your bank. Meridian just makes sure the right card shows up.
The right card, every time
Meridian reads the merchant and category at the terminal and routes the tap to the card that earns the most.
No new cards needed
Works with the credit cards already in your wallet. No new account and no new line of credit.
Works when your phone doesn't
Dead battery or no signal, it doesn't matter. It's a card: nothing to unlock, wake or charge.
Your card numbers stay safe
Each card will live on the chip as a network token, the same way it does in Apple Pay. Lose it, freeze it from the app.
See every point, on every purchase
Meridian shows which card it picked, why it picked it and how much more you earned than your next-best card.
You're already leaving rewards on the table
Most people pay with one card out of habit. Move the sliders to your monthly spending and see what routing every purchase would add up to.
vs. using one 1.5% card for everything: $0 becomes $0 a year.
Claim your spotIllustrative example. Assumes a wallet with a 4x groceries and dining card, a 3x travel card and a 2% card for everything else, with points valued at 1¢. Your results depend on the cards you hold.
Get in before everyone else does
Meridian is opening to a limited group first. Founding members get the best seat in the house.
First in line
Founding members get their cards before anyone else, as each wave opens.
Free to start
No fees for founding members when we launch. Every point you earn is yours to keep.
Founding-member pricing
Lock in founding-member pricing when Meridian opens to everyone.
Shape what we build
Direct input on new features, card designs and the rules engine.
Questions, answered
Is Meridian secure?
Meridian is designed so your card numbers never touch RouteZero. Each card will be loaded onto the card's secure element as a network token, the same way Apple Pay does it. We'll hold the issuer, the product, its rewards structure and the last four digits: enough to pick the best card, not enough to make a purchase.
Which credit cards work with Meridian?
Visa and Mastercard credit cards from U.S. banks first, with American Express and Discover to follow. If a card works in Apple Pay or Google Pay, it's on our list, and the app shows which of yours are ready.
Do I need a new credit card or a credit check?
No. Meridian isn't a new line of credit. Every purchase goes on one of your own cards, from your own bank, and your points, protections and statements stay exactly where they are.
How does it choose the best card?
The app learns what each of your cards earns: categories, caps and rotating bonuses. At the terminal, Meridian presents the card that earns the most for that merchant and category, inside the same tap. Your bank sees a normal purchase and pays rewards as usual.
What if my phone is dead?
It doesn't matter. Meridian is a card, so there's no phone, battery or signal involved.
Does it cost anything?
No fees for founding members at launch. After that, a small monthly fee, with founding-member pricing for people who join early. Your rewards are always yours.
When can I get one?
We're inviting people in waves. Join the waitlist and we'll email you when your invite is ready.
Stop leaving rewards on the table.
Join the waitlist. Founding members get their invites first.