Join LXMQ
Early Access
Any Purchase,
Zero Thinking
LXMQ auto-picks the best card (category, caps, promos) and steers you away from 1–3% foreign-transaction fees when abroad
Rewards You
Actually Use
LXMQ tracks points across all your cards and nudges you before they expire, so you redeem on time. Billions in rewards go unredeemed each year—studies show Americans left about $6B unredeemed in 2022, and nearly 3 in 4 cardholders are sitting on unused rewards today. We turn those points into real trip plans.
Debt Pay-Off,
Automated
Dynamic Pay-Down shows you how much to pay, which card to use, and when, reducing interest and late fee risks.
Score + Fee-Smart
Alerts
For any transaction, we auto-route to the right card and warn before foreign-transaction fees (~1–3%) or out-of-network ATM charges (~$4.86)—then nudge “pay $X now” before statement close/due date to keep utilization healthier and avoid typical ~$30 late fees
Skip The
Mental Math
The credit-card co-pilot that picks the right card, plans smart pay-downs, and turns points into trips—automatically.
Privacy-first & read-only • Patent-pending • Explainable AI • Unsubscribe anytime
Why does this matter now?
U.S. credit-card balances:
hit $1.21T (Q2 ’25) and
$1.23T (Q3 ’25).
The average American
carries ~3.7 active cards
and an average balance
around $6.7k—and it’s
rising.
The gap: most apps work in silos (points or spend or bills or score).
LXMQ treats your wallet as a system—automatically picks the right card, plans debt payoff, protects utilization/score, and nudges before fees—so real consumer behavior actually improves.
Help Every Cardholder
Spend Smarter. Pay down faster. Stress less.
Reduce avoidable financial harm—interest, fees, and decision friction—so you keep more of what you earn and build resilient credit health.
What we’re building:
Most apps work in silos (points or spend or bills or score). LXMQ is a Credit-Card Intelligence OS that treats your wallet as a system—auto-picking the right card, planning debt pay-off, protecting utilization/score, and sending fee-smart alerts before costs hit.
How we’ll prove impact:
We’ll publish aggregate results (fees avoided, interest saved, rewards realized, score trends) as we invite waitlist cohorts.
Our Purpose
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