# BillCard — Credit card bills, on-device

> On-device credit card bill tracker with privacy-focused features. (iPhone/iPad app by 滨斌 吴.)

- Source: https://appshunter.io/ios/app/billcard/id6773201523 (this page in markdown: same URL + `.md`)
- Developer: [滨斌 吴](https://appshunter.io/developer/6773174206)
- Category: Utilities, Finance
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 3 MB
- Languages: American English, French (France), German (Germany), Japanese, Korean, Brazilian Portuguese, Mexican Spanish, Chinese (Traditional, Taiwan)
- Released: 2026-05-28
- Data updated: 2026-09-29
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/billcard/id6773201523/reviews.md

## What is BillCard?

BillCard is a credit card bill tracker that lives entirely on your device.

No account. No server. No ads. No tracking. Your card data never leaves your iPhone.

— What BillCard does well —

• Track multiple credit cards with statement day, due day, credit limit, and annual fee.
• Record bills and partial payments. See remaining balance at a glance.
• Get a Face ID lock screen so anyone who grabs your phone can't browse your cards.
• Watch a credit utilization ring change color from green to orange to red as you spend.
• Receive local notifications on statement day and due day. Mark a bill paid or snooze a day right from the notification.
• Auto-generate annual fee bills on the month they post. Never get surprised again.
• Switch between English and Simplified Chinese on the fly.
• See six months of billed vs. paid in a chart, plus an outstanding-by-card breakdown.
• Export a JSON backup any time. Restore on a new device in two taps.
• Designed for the US market with familiar issuers (Chase, Amex, Capital One, Citi, Bank of America, Discover, Wells Fargo, Apple Card, U.S. Bank, Barclays). Region-aware bank suggestions if you travel.

— What BillCard doesn't do —

• Connect to your bank. BillCard will never ask for your login. There is no Plaid, no Yodlee, no open-banking aggregator.
• Send your data anywhere. There is no analytics SDK, no crash reporter from a third party, no email list.
• Show ads or upsells.

— Why on-device only —

Your financial life is your business. BillCard treats it that way. We can't lose data we never had.

— Privacy at a glance —

• No data collection (see the privacy nutrition label below)
• Local-only storage with optional iCloud private database sync
• Optional Face ID / Touch ID / passcode app lock
• Notifications scheduled locally; never sent from a server

Questions? Email iwbinb@gmail.com.

## Key features

- Track multiple credit cards
- Record bills and payments
- Credit utilization ring
- Local notifications
- Auto-generate annual fee bills
- JSON backup and restore
- Face ID lock screen

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/billcard/id6773201523/reviews.md

### 5/5 — 简洁无广告，这就是我要找的信用卡管理

*2026-06-04*

之前找了很多信用卡管理App，但都是太多无用功能太多广告。终于找到一个最实用功能的信用卡管理app，希望BillCard继续保持无广告。

## Frequently asked questions about BillCard

### Does BillCard have ads?

No, BillCard is completely ad-free. The app explicitly states 'No ads' and 'No upsells' in its description, ensuring an uninterrupted user experience.

### How secure is BillCard?

BillCard prioritizes security with on-device storage and no server connection. It offers optional Face ID/Touch ID/passcode app lock and local-only data storage with optional private iCloud sync.

### Can BillCard connect to my bank?

No, BillCard does not connect to your bank or ask for login credentials. It operates entirely offline, meaning your financial data never leaves your device.

### What devices does BillCard support?

BillCard is designed for the iPhone. It is compatible with iOS devices and is available for users aged 4 and up.

### How often is BillCard updated?

BillCard was last updated on May 29, 2026, with version 1.0. This indicates recent development and ongoing support for the application.

### What payment information can I track with BillCard?

You can track multiple credit cards, including statement day, due day, credit limit, and annual fee. It also allows recording bills and partial payments to see remaining balances.

### Can I export my data from BillCard?

Yes, BillCard allows you to export a JSON backup of your data at any time. This backup can be easily restored on a new device with just two taps.

### What is the user sentiment for BillCard?

Based on the provided rating, BillCard has a perfect 5.0 stars from 1 rating, indicating very positive initial user sentiment.

## Version history (last 1 release)

### 1.0 — 2026-05-29

No release notes.

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## More apps by 滨斌 吴

- [Crazy Gods: Sky World](https://appshunter.io/ios/app/crazy-gods-sky-world/id6811344230)
- [Lumen: Refraction Workshop](https://appshunter.io/ios/app/lumen-refraction-workshop/id6814521991)

All apps by 滨斌 吴: https://appshunter.io/developer/6773174206

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-29.*