CardLab: Track Cards & Rewards

CardLab: Track Cards & Rewards

Banking, Miles, Promos & Perks

1 ratings
Free
In-App Purchases

Rating summary
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Details

  • Released
  • Updated
  • July 10, 2026
  • September 7, 2026

Features

CardLab: Track Cards & Rewards screenshot #1 for iPhone
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CardLab: Track Cards & Rewards screenshot #10 for iPhone
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About

This app allows you to simulate credit card usage without connecting to your bank. You can test purchases, payments, and payoff plans to understand interest, rewards, and credit utilization. It offers hands-free logging via Siri and home screen widgets for at-a-glance information.

Credit card simulation
No bank login required
Siri and widget integration
Split payment simulation
Transaction history export
AI-powered financial tutor
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What's New in CardLab

1.6.0

September 7, 2026

Read your statement into CardLab, and ask it about anything you pay for. • Import a statement (Pro): hand CardLab a statement PDF or a screenshot and it reads the rows on your phone - no bank login, nothing sent anywhere. Every row waits in Needs review until you accept it. • Needs review: rows from a statement sit at the top of Activity and stay out of your balance, utilization and rewards until you say so. • Find a card for any purpose: type fuel, food delivery, the rent, a tax bill - CardLab says how it read it and answers. When paying by card would cost you money, it says that instead of naming a winner. • Bonus caps, split honestly: a purchase that crosses a cap earns the bonus on the part under it and the base rate on the rest. • Two new widgets: Reward caps and Payment due, each stamped with the date it was last updated. • Alerts you can act on: Mark paid or Remind me tomorrow from the notification; a payment due within a day breaks through Focus. • A quiet push keeps your card catalog current, and Spotlight finds your cards. • Dark theme only, retuned so panels and separators read clearly.

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Subscription plans

CardLab Cloud (Monthly)

Cloud AI tutor on every device

$0.991 Month
How to cancel CardLab subscription ⁉️
1

In-App Purchases

$4.99

CardLab Pro

Unlock every simulator, preset, and lesson

Developer apps

FAQ

Does CardLab have ads?

No, CardLab is ad-free, allowing for an uninterrupted simulation experience. This means you can focus on your financial planning without any advertisements interrupting your workflow.

What is the cost of CardLab Cloud?

CardLab Cloud offers two subscription plans: a monthly option for $0.99 and a yearly option for $9.99. These plans enable iCloud sync and access to the Cloud AI tutor.

How secure is CardLab?

CardLab is designed with privacy in mind, operating locally on your device by default. It does not require bank logins, real card numbers, CVVs, or account creation, ensuring your financial data remains private.

What devices does CardLab support?

CardLab is available on iPhone and iPad devices. This allows users to manage and simulate their credit card usage across their Apple ecosystem.

How often is CardLab updated?

The latest version of CardLab is 1.4, and it was last updated on August 14, 2026. Regular updates ensure the app remains functional and incorporates new features or improvements.

Can I export my transaction history from CardLab?

Yes, you can export any card's transaction history to CSV format whenever you wish. This feature allows you to retain your simulated data for external analysis or record-keeping.

What kind of simulations can I perform with CardLab?

CardLab allows you to simulate statement and due dates, interest accrual, minimum vs. higher payments, credit utilization, rewards, installments, and cash advances. It also includes educational labs for credit score and payoff scenarios.

What is the age rating for CardLab?

CardLab has an age rating of 4+. This indicates it is suitable for a wide audience and does not contain content inappropriate for younger users.