# CardLab: Track Cards & Rewards — Banking, Miles, Promos & Perks > Private credit card simulator for financial planning and education. (iPhone/iPad app by Sebastian Gonzales.) - Source: https://appshunter.io/ios/app/cardlab-track-cards-and-rewards/id6785567188 (this page in markdown: same URL + `.md`) - Developer: [Sebastian Gonzales](https://appshunter.io/developer/6782290306) - Category: Finance, Education - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 17.0 · 33 MB - Languages: American English, Arabic, Catalan, Croatian, Czech, Danish, Dutch, Finnish, French (France), German (Germany) and 23 more - Released: 2026-07-10 - Data updated: 2026-09-08 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/cardlab-track-cards-and-rewards/id6785567188/reviews.md ## What is CardLab? CardLab tells you which card to use, and keeps every card you own honest. Track the cards in your wallet for free. With CardLab Pro, pick them from a catalog of more than 300 real cards from the banks in your market, and CardLab ranks every card it has checked for any purchase: by category, or by naming the store. Every rate and fee in the catalog shows the issuer page it was read from, the sentence it was read from, and the date. Nothing is estimated, and nothing is rounded up. No bank login. No real card number. No CVV. No account. BEST CARD • Which of your cards earns the most for groceries, dining, travel, fuel, online shopping and more • Search any store and see which card wins there, and whether a bonus actually applies • Bonus caps are counted against what you have already spent, so a card spent to its cap stops winning • When nobody has published a rate, CardLab says the rate is not set instead of guessing VERIFIED CARD DATA • Real cards from the United States, United Kingdom, Canada, Australia, United Arab Emirates, Saudi Arabia, Germany, Italy, Spain, Singapore, the Philippines, Indonesia, Brazil, France, Japan and Mexico • Tap "Where this number came from" on any rate or fee to read the issuer's own sentence and the date CardLab last checked it • Fees appear the way your bank prints them: monthly stays monthly, and any yearly total is labelled as CardLab's arithmetic • Statement credits from the issuer's own page, ready to track in one tap CARD CALENDAR • Your fee anniversary, a three-week warning before an annual fee posts, anniversary credits and welcome-bonus deadlines, all dated from the day you opened the card • Optional statement-closing and payment-due reminders TRACK EVERY CARD • A wallet view of every card: bank, APR, balance, available credit and utilization, plus your totals across cards • Log a purchase or payment by voice with Siri or Shortcuts, from a Home Screen widget, or with a single tap • Backdate any purchase or payment to bring months of history in • Cover a friend's purchase and track what they owe you back • Export any card's history to CSV or PDF SIMULATE BEFORE YOU SWIPE • Statement date, due date and the grace period • Interest, day by day, using the method your card actually uses • Minimum payment against paying more, and the months and interest you would save • Utilization and an educational Credit Health Meter • Installments, cash advances, balance transfers and foreign transactions Every simulator is free, in all 40 country presets. LEARN BY DOING 23 short lessons on how credit cards really work, with no jargon and no shame. What if I pay before the statement closes? What if I only pay the minimum? What if my cashback is smaller than my interest? CARDLAB PRO The tracker, the calendar and every simulator are free for two cards in one country. CardLab Pro adds the checked card catalog and Best Card, store search and cap-aware ranking, alerts before a statement closes or a bonus window ends, every card you own in any country, custom APR and statement dates, the advanced lessons and PDF export. Monthly or yearly, cancel any time. PRIVATE BY DESIGN Local-first: your cards and history stay on your device. Optional iCloud sync puts your own data in your own iCloud, and nowhere else. No ads, no tracking, and we never sell your data. IN 34 LANGUAGES Pick your language in Settings. Dynamic Type and VoiceOver are supported throughout. IMPORTANT CardLab is for education and planning only. It does not provide financial, legal, tax or credit advice, and it does not calculate or predict your real credit score, approval or any lender's decision. Issuer rules, fees and interest can change; check the issuer's page before you rely on a number. Terms of Use: https://getcardlab.app/#/terms Privacy Policy: https://getcardlab.app/#/privacy ## Key features - Credit card simulation - No bank login required - Siri and widget integration - Split payment simulation - Transaction history export - AI-powered financial tutor ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | CardLab Cloud (Monthly) | $0.99 | per month | | CardLab Cloud (Yearly) | $9.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | CardLab Pro | $4.99 | one-time | ## Frequently asked questions about CardLab ### 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. ## Version history (last 5 releases) ### 1.6.0 — 2026-09-07 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. ### 1.5.1 — 2026-09-05 Your own offers, counted in the answer. • My offers (Pro): record a targeted cashback offer, a promo installment rate or a quoted cash-advance fee on a card you hold. • An offer you record moves the Best Card ranking and the store answer, prefills the Installment and Cash Advance labs, and gets its own alert before it ends. • Wherever an offer changes the answer, the answer names it as yours. CardLab never presents a figure you typed as one it verified. • An offer outside its dates, or past its cap, is never applied, and nothing you record leaves your phone. • VoiceOver on the Best Card category tiles now reads the category name alone, not the decorative symbol first. ### 1.5.0 — 2026-09-04 Verified card data, now in twelve markets. • Real cards from the United States, United Kingdom, Canada, Australia, United Arab Emirates, Saudi Arabia, Germany, Italy, Spain, Singapore, the Philippines and Indonesia. • Every rate and fee shows the issuer page it was read from, the sentence it was read from, and the date. Tap "Where this number came from" on any card. • Statement credits from the issuer's own page, ready to track in one tap. • Fees appear the way your bank prints them. Monthly stays monthly, and any yearly total is labelled as our arithmetic. • When CardLab does not know a rate, it says so instead of guessing. • Best Card marks which of the ranked cards are already in your wallet. ### 1.4.1 — 2026-08-21 Easier to find as a credit card tracker and simulator. • Stronger App Store match for credit card tracker, interest, APR, and simulator searches. • Banking and bank searches still work. • Same private, on-device labs for statements, utilization, rewards, installments, and payment reminders. Thanks for using CardLab. ### 1.4 — 2026-08-14 Two new ways to stay ahead of your card. • Card Calendar: track statement credits, the annual fee, and welcome-bonus deadlines, with a reminder before each one resets. • Which card first: carrying more than one balance? See the payoff order that costs the least, and what the other one costs you. • Delete a purchase or payment logged by mistake, with linked repayments cleaned up. • Refinements and stability fixes throughout. Thanks for using CardLab. ## Apps similar to CardLab | App | Rating | Price | Category | | --- | --- | --- | --- | | [借金返済損得ナビ / リボ払い計算、ローン計算で返済管理](https://appshunter.io/ios/app/id6768001674) | — | Free | Finance | | [Kartly: Borç Ödeme Takibi](https://appshunter.io/ios/app/kartly-borc-odeme-takibi/id6749616582) | — | Free | Finance | | [CashClose: Till Counter](https://appshunter.io/ios/app/cashclose-till-counter/id6770182307) | — | Free | Finance | | [Smart Credit Ledger](https://appshunter.io/ios/app/smart-credit-ledger/id6751474759) | 5.0 (1) | Free | Finance | | [iDindi - Save money](https://appshunter.io/ios/app/idindi-save-money/id342015062) | — | $3.99 | Finance | | [ASB Money](https://appshunter.io/ios/app/asb-money/id1560282733) | 5.0 (1) | Free | Finance | ## More apps by Sebastian Gonzales - [Pondoro: Focus Timer Fish Game](https://appshunter.io/ios/app/pondoro-focus-timer-fish-game/id6782290304) - [Vialie: GLP-1 Peptide Tracker](https://appshunter.io/ios/app/vialie-glp-1-peptide-tracker/id6786374041) All apps by Sebastian Gonzales: https://appshunter.io/developer/6782290306 ## Related topics [credit card tracker budget](https://appshunter.io/ios/topics/credit-card-tracker-budget) · [credit card payoff](https://appshunter.io/ios/topics/credit-card-payoff) --- *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 2026-09-08.*