# CardCred — Credit Card Benefit Tracker > Credit card benefit tracker and spending optimizer for maximizing rewards. (iPhone/iPad app by Ya-Hsiu Yang.) - Source: https://appshunter.io/ios/app/cardcred/id6761225025 (this page in markdown: same URL + `.md`) - Developer: [Ya-Hsiu Yang](https://appshunter.io/developer/1888307254) - Category: Finance - Price: Free - Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 18.6 · 5 MB - Languages: American English, Chinese (Traditional, Taiwan) - Released: 2026-04-10 - Data updated: 2026-08-01 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/cardcred/id6761225025/reviews.md ## What is CardCred? CardCred helps you get every dollar back from your credit cards. Premium cards come loaded with statement credits — monthly Uber Cash, quarterly dining credits, annual travel reimbursements, and more. But between busy schedules and too many cards, these benefits quietly expire unused. CardCred keeps you on top of all of them. ―――――――――――――― TRACK EVERY BENEFIT ―――――――――――――― Add your credit cards and their benefits, then log usage as you spend. Visual progress bars show exactly how much of each credit you've used and how much is left before it resets. Benefits expiring in 3 days or less pulse to grab your attention — so nothing slips through the cracks. ―――――――――――――― WHICH CARD SHOULD I SWIPE? ―――――――――――――― The Which Card tab tells you the best card to use for every spending category — dining, groceries, gas, travel, shopping, and more — based on the cards you actually own. Rotating 5% quarterly bonuses (Chase Freedom Flex, Discover it) are surfaced automatically each quarter with a reminder to activate them. Tap any category to see the full ranked list. ―――――――――――――― CARD SUGGESTIONS ON THE GO ―――――――――――――― Walk into a restaurant, grocery store, or gas station and CardCred sends you a notification with the best card to swipe — before you even reach the register. Powered by on-device geofencing, no location data ever leaves your phone. ―――――――――――――― SMART REMINDERS ―――――――――――――― Get notified before your benefits reset — 1, 3, 5, or 7 days in advance. When multiple benefits expire on the same day, CardCred sends one combined notification instead of overwhelming you. Snooze reminders for 1 hour, tomorrow, or 3 days if you're not ready yet. Tap any notification to jump straight to that benefit. CardCred also reminds you when your annual fee is coming up, so you can decide whether to keep or cancel each card. ―――――――――――――― SEE YOUR REAL ROI ―――――――――――――― The dashboard shows you the full picture: total benefits extracted vs. total annual fees paid, card by card. See which cards have already paid for themselves, which ones haven't, and how much value you're on track to earn by year's end. No more guessing whether your $895 card is actually worth it. ―――――――――――――― READY-TO-USE CARD TEMPLATES ―――――――――――――― Get started instantly with built-in templates for 60+ popular cards — Amex Platinum, Chase Sapphire Reserve, Capital One Venture X, Hilton Aspire, Marriott Bonvoy Brilliant, Bilt, and more — pre-loaded with accurate 2026 benefit amounts and reset cycles, updated over-the-air. ―――――――――――――― HOME SCREEN WIDGETS ―――――――――――――― Two widgets, zero excuses. The Expiring Benefits widget shows your most urgent credits at a glance. The Quick Pick widget shows which card to use for each spending category — right on your home screen, no app needed. ―――――――――――――― DESIGNED FOR POWER USERS ―――――――――――――― • Track Monthly, Quarterly, Semi-Annual, Annual, and 4-Year benefits • Quick-log buttons for common amounts ($5, $10, $20, $50) • Filter by card or search across all benefits • Your data syncs via iCloud — carry everything over when you get a new iPhone • Full support for English and Traditional Chinese CardCred is the simplest way to make sure you're getting what you're paying for. ## Key features - Track credit card statement credits and benefits - Visual progress bars for used and remaining credits - Personalized card recommendations by spending category - Automatic activation reminders for quarterly bonuses - Location-based card suggestions - Smart reminders for expiring benefits and annual fees - Real ROI dashboard for card value assessment - Pre-loaded templates for popular credit cards ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/cardcred/id6761225025/reviews.md ### 5/5 — Save your brain power—no more guessing which card to use! *2026-04-30* Super helpful app for keeping track of credit card benefits. I used to forget about statement credits, rotating 5% categories, and other card perks all the time. This app makes it really easy to see what benefits are available and when they expire. The new “Which Card to Use” feature with geo-fencing is especially useful — it reminds me exactly which card to pull out when I’m at the store, quickly showing the best card for restaurants, groceries, gas, and travel. Highly recommend for anyone who wants to maximize credit card rewards without having to remember everything. ## Frequently asked questions about CardCred ### How does CardCred help me track my credit card benefits? CardCred allows you to add your credit cards and their associated benefits. It then tracks your usage with visual progress bars and sends smart reminders for expiring benefits, ensuring you don't miss out on any statement credits or reimbursements. ### Can CardCred tell me which card to use for a purchase? Yes, the 'Which Card' tab in CardCred provides personalized recommendations for the best card to use based on your spending category and the cards you own. It even surfaces rotating 5% quarterly bonuses automatically. ### Does CardCred offer reminders for expiring benefits? Absolutely. CardCred sends smart reminders 1, 3, 5, or 7 days before your benefits reset. It also consolidates notifications when multiple benefits expire on the same day and allows you to snooze them. ### How does CardCred help me understand my card's value? The app features a 'Real ROI' dashboard that shows your total benefits extracted versus total annual fees paid for each card. This helps you clearly see which cards are providing the most value and whether they are worth keeping. ### Does CardCred have pre-built templates for popular credit cards? Yes, CardCred comes with ready-to-use templates for over 60 popular cards, including Amex Platinum and Chase Sapphire Reserve. These templates are pre-loaded with accurate benefit amounts and reset cycles, updated over-the-air. ### Is CardCred available on multiple platforms? Based on the provided data, CardCred is available on mobile devices. Specific platform compatibility (iOS, Android) is not detailed, but it is designed for mobile use with features like home screen widgets. ### How often is CardCred updated? The latest version of CardCred is 2.2.0, and it was last updated on June 18, 2026. This indicates a recent update, suggesting the app is actively maintained. ### What is the age rating for CardCred? CardCred has an age rating of 4+. This means it is considered suitable for users of all ages, with no specific content restrictions. ## Version history (last 5 releases) ### 2.3.1 — 2026-07-29 Bug fixing ### 2.3.0 — 2026-07-03 Bug fixing, every new version is better ### 2.2.0 — 2026-06-18 Bug fixing ### 2.1.0 — 2026-05-12 Bug fixing and UI improvement ### 2.0.0 — 2026-04-29 • Nearby Card Tips CardCred can now notify you which card to swipe when you're near a grocery store, restaurant, gas station, or other supported location. Enable it from the Which Card tab the first time you visit. • Quick Pick Widget New home screen widget that shows which card to use for each spending category — only displays categories where you have an active card. Available in small and medium sizes.Tapping either widget now opens directly to the relevant tab in the app. • Card Template Updates Updated earn rates and credits for Chase Sapphire Reserve, Southwest Priority, Amex Green, and Capital One Venture. Templates now update automatically in the background — no app update needed for future changes. --- *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 2026-08-01.*