# CardWise - Credit Card Manager — Offline. Bill & Interest Calc > Offline credit card manager for secure payments, interest-free period recommendations, and bill tracking. (iPhone/iPad app by 肖肖 程.) - Source: https://appshunter.io/ios/app/cardwise-credit-card-manager/id6758287460 (this page in markdown: same URL + `.md`) - Developer: [肖肖 程](https://appshunter.io/developer/1870721178) - Category: Finance, Utilities - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 17.0 · 13 MB - Languages: American English, French (France), German (Germany), Japanese, Korean, Brazilian Portuguese, Chinese (Simplified, China), European Spanish, Chinese (Traditional, Taiwan) - Released: 2026-02-02 - Data updated: 2026-08-26 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/cardwise-credit-card-manager/id6758287460/reviews.md ## What is CardWise? CardWise is a secure, offline credit card management tool crafted specifically for privacy-conscious users. We are dedicated to providing you with a pure, localized digital wallet, bringing simplicity and peace of mind back to your complex credit life. 【 What Can CardWise Do for You? 】 • Your Portable Wallet for Faster Payments CardWise is the digital counterpart to your physical wallet. Securely store critical details like card numbers, expiry dates, and security codes (CVV). When shopping online, there’s no need to rummage around for physical cards. simply open the app, verify your identity, and copy card details with a single tap for effortless checkout. • Privacy Shield with Completely Offline Data We adhere strictly to the principle that "data never leaves your device." No account registration and no bank linking are required. All sensitive card information is protected by bank-grade encryption and stored solely in your phone's local Secure Element (hardware chip). Your financial privacy belongs only to you, with zero upload risk. • Smart Decisions for Smarter Spending CardWise doesn’t force you to bookkeep; it helps you decide. Check the app before spending, and our smart algorithm will recommend the card with the longest current "interest-free period" based on real-time billing cycles. Cleverly utilize interest-free rules to maximize the time value of your money. • Annual Fee Manager to Avoid Waste Thoughtful management features for high-end cards. Track the annual fee amount and deduction date for every card, and receive advance notifications. Easily plan spending requirements or point redemptions to avoid unnecessary losses caused by forgetting due dates. • Bill Overview at a Glance Through an intuitive timeline design, clarify the bill status of all your cards. Instantly know which bills have been issued and which are due soon. Keep everything under control and easily maintain a good credit record. Download CardWise now for a more secure and effortless payment experience. ## Key features - Offline credit card storage - Fast online payment details copy - Interest-free period recommendations - Annual fee tracking and notifications - Bill status overview - Bank-grade encryption ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | CardWise Pro (Lifetime) | $3.99 | one-time | ## Frequently asked questions about CardWise ### 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. ## Version history (last 5 releases) ### 1.6 — 2026-08-03 Fixed several known issues and improved overall stability. ### 1.5 — 2026-07-31 Added card backup and restore. You can export your cards to a backup file and restore them from a file when needed. Backups can be encrypted, and device authentication is required before exporting sensitive information. The card list now offers card and compact list layouts, sorting by interest-free period or due date, and filters for bank, card network, card type, and card tier. Fixed an issue where debit cards could display repayment date fields. Improved iCloud sync reliability and recovery, along with general stability fixes. ### 1.4 — 2026-06-01 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. ### 1.3 — 2026-03-06 1. Card metadata enhancements: added editable Card Type and Card Level fields, plus offline BIN-based auto-detection and autofill. 2. Settings improvements: added Feedback and App Store Rating entry points for easier user communication and review flow. 3. Card face management: users can now maintain and update card face information. 4.Other improvements: fixed various known issues and improved overall stability and usability. ### 1.2 — 2026-02-26 Added iCloud Sync (Pro): 1. Pro users can now sync card data across multiple devices. 2. Added an iCloud Sync toggle in Settings. 3. Added sync status display to show current sync state. --- *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 2026-08-26.*