Manage credit utilization
Keep individual cards below 30% utilization while making larger purchases. Protect your credit score without limiting your spending power.
Your cards. Working together.
One payment.
Up to five cards.
Pick the split. Spend anywhere Mastercard is accepted.
or sign up on the web
FDIC Insured Partner BankAICPA SOC 2 CertifiedPatent Pending Technology
$74.6 M+
split across cards
126,000+
users
5
cards max
Boost your card rewards
Every card in your split earns its full rewards. Stack cashback, points, and perks across multiple cards on a single transaction.
Improve cash flow
Spread payments across cards with different billing cycles. Better align your expenses with your income and manage liquidity effortlessly.
How it works
Shop everywhere Mastercard® is accepted.
Kasheesh works both online and in-store with tap to pay.
Retail Restaurants Travel Online
Link your cards
Connect up to 5 credit or debit cards in seconds. Bank-level security.
Set your split
Drag sliders to choose how much goes on each card. Change it anytime.
Pay your way, anywhere
Use your virtual Kasheesh card online. We handle the rest instantly.
Kasheesh is accepted at Costco Wholesale, Apple, Best Buy, Amazon, Kroger, Walmart, Target, eBay, and more.
It’s not a loan.
It’s your own money,
spent smarter.
Unlike buy now, pay later services, Kasheesh doesn’t create new debt.
You’re using the cards you already have, just combining multiple
payment methods to give your budget some wiggle room.
No interest. No new accounts. No credit check.
4.8 stars on Trustpilot from 2,000+ reviews
As seen in
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“Finally, a way to optimize my credit cards without carrying multiple physical cards. The interface is beautifully designed and the split happens seamlessly.”
Sarah M.
Product Designer
“Kasheesh helps me manage cash flow across business and personal cards. The 2% fee pays for itself in rewards and improved utilization.”
Marcus T.
Small Business Owner
“I maximize rewards on every purchase now. The Replay feature showed me I left $200 on the table last month. Never again.”
Jamie R.
Travel Enthusiast
The math
Splitting a $200 charge
costs less than a coffee.
Transaction
$200
across 3 cards
Kasheesh fee
$4
2% flat
Rewards back
$2-3
at 1-1.5%
Net cost
$1-2
to split anywhere
“This technology didn’t exist before. A payment infrastructure for how people actually use credit; across multiple cards, earning on every dollar, without surrendering to a single limit.” — CEO Sam Miller
Bangor Savings Bank
Mastercard Network
Patent-Pending
Kasheesh is a fintech company, not a bank. Banking services provided by Bangor Savings Bank, Member FDIC. The Kasheesh Card is issued by Bangor Savings Bank pursuant to a license from Mastercard International. Our patent-pending technology enables split payment transactions across multiple cards at any merchant that accepts Mastercard, providing unprecedented flexibility in how you manage your credit.
Questions
Does using Kasheesh affect my credit score?
No. Kasheesh doesn't report to credit bureaus and doesn't require a credit check. You're just using your existing cards in a smarter way.
Are there any fees?
A flat 2% fee applies to each split transaction — that's it. No subscriptions, no interest, and no hidden charges. For most purchases, the rewards you earn offset most of the fee.
How is this different from buy now, pay later?
BNPL services lend you money to pay back over time. Kasheesh never lends you anything — you're simply spreading your own purchase across cards you already own, and keeping every reward they earn.
