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Free
In-App Purchases
About
This app helps you maximize the value of your credit cards by tracking all your benefits, credits, and perks in one place. Understand your card's ROI, identify underused benefits, and make informed decisions about keeping or canceling cards.
✓Track monthly and annual credits
✓Monitor lounge visits and usage perks
✓Visualize card value and ROI
✓Identify underused cards
✓No bank account connection required
✓Private on-device data storage
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What's New in CardIQ
1.2
May 7, 2026
Bonus Category Intelligence: We've added a new way to compare your cards! You can now view and reference your cards' specific bonus multipliers—like 5x on Dining, 3x on Travel, or 4x on Groceries to help you decide which card is best for every spend. End-of-Month Reminders: Never let a credit go to waste. You can now receive a smart notification one week before the month ends to remind you of any unused monthly card benefits or expiring bonus caps.
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Subscriptions & In-App Purchases
$3.99
CardIQ Pro
Unlock full yearly history and advanced analytics.
User reviews
FAQ
What is CardIQ?
CardIQ is a utility app designed to help users track and visualize their credit card benefits, credits, and perks. It provides insights into card value and helps users make informed decisions about their credit cards.
How does CardIQ track credit card perks?
CardIQ allows users to manually input and track various perks such as monthly credits, annual statement credits, lounge visits, and insurance benefits. It consolidates this information for easy viewing.
Is my financial data secure with CardIQ?
Yes, CardIQ prioritizes user privacy by storing all data exclusively on your device. It does not connect to your bank or send your information to external servers, ensuring your data never leaves your phone.
What is the cost of CardIQ?
CardIQ is free to download and use. An optional one-time purchase of $3.99 unlocks full yearly history and analytics through CardIQ Pro, with no subscriptions or recurring charges.
Does CardIQ have ads?
No, CardIQ does not contain advertisements. The app is free to use, with an optional one-time purchase for advanced features.
What devices does CardIQ support?
CardIQ is available for iPhone and iPod devices. It is designed for users within the Apple ecosystem.
How often is CardIQ updated?
The latest version of CardIQ is 1.2, released on May 7, 2026. Updates typically occur to improve features and maintain accuracy of credit card benefit information.
Can CardIQ connect to my bank accounts?
No, CardIQ does not connect to your bank accounts. It operates independently, requiring manual input of credit card benefits to maintain user privacy and data security.
