# Card Smart — Plan your credit card payments

> Plan your credit card payments (iPhone/iPad app by Ruben Carrascal.)

- Source: https://appshunter.io/ios/app/card-smart/id6753664807 (this page in markdown: same URL + `.md`)
- Developer: [Ruben Carrascal](https://appshunter.io/developer/1785530519)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 13.0 · 27 MB
- Languages: American English
- Released: 2025-10-12
- Data updated: 2026-06-04
- User reviews in markdown: https://appshunter.io/ios/app/card-smart/id6753664807/reviews.md

## What is Card Smart?

Take full control of your credit card payments — without sharing a single piece of personal data.
Credit Wise helps you understand how your credit cards work, calculate interest, and plan smarter purchases — all offline and 100% private.

Key Features:

- Add all your credit cards
- Store name, interest rate (APR), cutoff date, and payment date — just what you need, nothing you don’t.
- Simulate any purchase
- Enter a date, amount, and card — instantly see:
- When it will appear on your statement
- The exact due date
- Interest you’ll pay if you don’t pay in full
- Get useful payment tips
- Learn when’s the best day to buy to get extra days before payment or save interest.
- Visual Payment Calendar
- View your upcoming purchases, statement closes, and due dates on an intuitive timeline. See how waiting just a few days can change everything.
- Offline. Private. Secure.
- Credit Wise works entirely on your device. No logins. No cloud. No personal data shared.
- Export your data
- Generate and share detailed payment reports in Excel or PDF format.

Perfect for

Anyone who uses credit cards and wants to make smarter decisions about when and how to pay.
Stop guessing. Start planning smarter with Credit Wise.


## Version history (last 2 releases)

### 1.1.0 — 2026-03-05

Add new improvements and fix errors.

### 1.0.0 — 2025-10-12

No release notes.

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## More apps by Ruben Carrascal

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- [Reci Fit](https://appshunter.io/ios/app/reci-fit/id6744560949)
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- [Fasting Magical: Fast Tracker](https://appshunter.io/ios/app/fasting-magical-fast-tracker/id6746575932)

All apps by Ruben Carrascal: https://appshunter.io/developer/1785530519

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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 2026-06-04.*