CardWise - Credit Card Manager
Offline. Bill & Interest Calc
About
This app securely stores your credit card details offline for quick online payments. It helps you make smarter spending decisions by recommending cards with the longest interest-free periods and tracks annual fees to prevent waste. Manage all your bills at a glance for a better credit record.
What's New in CardWise
1.4
June 1, 2026
New "Annual Fee Waiver Met" marker: once you've met this cycle's waiver conditions, mark it as met right from the card details to mute the current annual-fee reminder. It resets automatically when a new fee cycle begins.
MoreIn-App Purchases
$3.99
CardWise Pro (Lifetime)
Unlock Pro: Unlimited cards & OCR.
FAQ
Does CardWise have ads?
No, CardWise is ad-free. The app is designed to provide a pure, localized digital wallet experience without advertisements.
How secure is CardWise?
CardWise uses bank-grade encryption and stores all sensitive card information solely in your phone's local Secure Element (hardware chip). Data never leaves your device, ensuring zero upload risk.
What devices does CardWise support?
CardWise is available for iPhone and iPad devices, offering a secure and effortless payment experience across Apple's mobile platforms.
How does CardWise help with spending decisions?
Before you spend, CardWise recommends the card with the longest current interest-free period based on real-time billing cycles. This helps you maximize the time value of your money by cleverly utilizing interest-free rules.
Can CardWise track annual fees?
Yes, CardWise offers thoughtful management features for high-end cards. You can track the annual fee amount and deduction date for each card, receiving advance notifications to avoid unnecessary losses.
What is the age rating for CardWise?
CardWise has an age rating of 4+. This indicates it is suitable for a wide range of users, including children, with no mature content concerns.
How often is CardWise updated?
The latest version of CardWise is 1.4, and it was last updated on June 1, 2026. This suggests a consistent update schedule to maintain functionality and security.
Does CardWise require an account or bank linking?
No, CardWise does not require any account registration or bank linking. It operates entirely offline, ensuring your financial privacy is maintained.