# Credit Card AI — No Bank Login • Detect Subs

> AI-powered credit card statement scanner for hidden fees and subscriptions. (iPhone/iPad app by Benedict Chin.)

- Source: https://appshunter.io/ios/app/credit-card-ai/id6754255719 (this page in markdown: same URL + `.md`)
- Developer: [Benedict Chin](https://appshunter.io/developer/1847418446)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.6 · 25 MB
- Languages: American English
- Released: 2025-11-28
- Data updated: 2026-06-01
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/credit-card-ai/id6754255719/reviews.md

## What is Credit Card AI?

Is your credit card statement hiding unauthorized charges, forgotten subscriptions, or sneaky fees?

Most expense trackers require your sensitive bank passwords to find these costs. We don't.

Simply share your credit card statement directly from your banking app to our secure scanner. In seconds, our AI-powered expense tracker audits your bill to find the money you are losing—without ever asking for your login credentials.

WHY CHOOSE Credit Card AI?

Zero Risk: No bank logins. No Plaid. No data sharing.

Instant Audit: Analyze months of transactions in seconds.

Universal: Works with statements from all major credit card providers.

STOP WASTING MONEY We turn your confusing bank statement into a clear list of savings:

Subscription Manager: Identify recurring charges you forgot to cancel.

Hidden Fee Detector: Spot service fees, unauthorized charges, and billing errors.

Renewal Alerts: Mark subscriptions you want to cancel and get reminded before the next billing cycle.

UNDERSTAND YOUR SPENDING Stop manually entering data into spreadsheets.

Automated Budgeting: Smart categorization separates your needs from your wants.

Fraud Detection: Our system flags transactions that look suspicious or don't match your history.

Multi-Card Support: Combine insights from different cards into one view.

HOW IT WORKS (IN 5 SECONDS)

Open your credit card statement in your banking app.

Tap the "Share" icon and select Credit Card AI.

Analyze your hidden fees and spending breakdown.

No manual downloads or file management required.

Take back control of your finances. Download the private bill scanner today.

## Key features

- No bank login required
- AI-powered expense auditing
- Subscription identification
- Hidden fee detection
- Renewal alerts
- Automated budgeting
- Fraud detection

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly Plan | $4.99 | per month |
| Annual | $29.99 | per year |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/credit-card-ai/id6754255719/reviews.md

### 5/5 — Great cancel subscriptions manager

*2026-01-12, version 1.58*

I uploaded my credit card statement and found subscriptions I forgot I was still paying for, which ended up saving me about $1,200 per year. The app made it really easy to cancel subscriptions I wasn’t using anymore, and I liked being able to set reminders so I didn’t forget again. The breakdown was clear, and I appreciated not having to link my bank account. Definitely useful if you want to stay on top of recurring charges.

### 5/5 — Automate credit card statement checking

*2025-12-23, version 1.53*

I used to manually go through my credit card statements to look for hidden fees, but this saves me so much time. The 'share' feature works perfectly—no need to download files or mess around with imports. It automatically flagged a fee I would have missed. Great AI tool

## Frequently asked questions about Credit Card AI

### How does Credit Card AI protect my financial data?

Credit Card AI prioritizes your privacy by not requiring bank logins or using services like Plaid. Your statements are shared directly from your banking app to a secure scanner, ensuring no sensitive credentials are ever requested or stored.

### What types of charges can Credit Card AI detect?

Credit Card AI is designed to find unauthorized charges, forgotten subscriptions, sneaky fees, billing errors, and suspicious transactions that don't match your spending history. It helps you identify money you might be losing unknowingly.

### Does Credit Card AI work with all credit card providers?

Yes, Credit Card AI is designed to be universal and works with statements from all major credit card providers. You can share your statement directly from your banking app.

### What are the subscription options for Credit Card AI?

Credit Card AI offers a Monthly Plan for $4.99 and an Annual subscription for $29.99. These plans provide access to premium features for ongoing financial management.

### How often is Credit Card AI updated?

The latest version of Credit Card AI is 1.71, and it was last updated on February 18, 2026. This indicates regular updates to improve functionality and security.

### What devices is Credit Card AI available on?

Credit Card AI is available on both iPhone and iPad, making it accessible for users within the Apple ecosystem.

### What is the age rating for Credit Card AI?

Credit Card AI has an age rating of 4+, meaning it is suitable for users of all ages to manage their finances.

### What do users like most about Credit Card AI?

Based on its 5.0-star rating from 2 reviews, users likely appreciate the app's privacy-focused approach, its ability to quickly audit statements without logins, and its effectiveness in identifying hidden costs and subscriptions.

## Version history (last 5 releases)

### 1.71 — 2026-02-18

- Catch money leaks instantly: Find forgotten subscriptions, hidden fees, billing errors, and suspicious charges.

- No bank login needed: Zero passwords, no Plaid, no linking accounts — safer and more private.

- Fast, effortless scan: Audit months of transactions in seconds (no spreadsheets, no manual entry).

- Turn statements into action: Clear, organized list of what to cancel, dispute, or watch.

- Stay ahead of renewals: Get reminders before subscriptions charge again (for the ones you mark).

- Works across cards: Combine insights from multiple credit cards in one view.

### 1.70 — 2026-02-18

- Catch money leaks instantly: Find forgotten subscriptions, hidden fees, billing errors, and suspicious charges.

- No bank login needed: Zero passwords, no Plaid, no linking accounts — safer and more private.

- Fast, effortless scan: Audit months of transactions in seconds (no spreadsheets, no manual entry).

- Turn statements into action: Clear, organized list of what to cancel, dispute, or watch.

- Stay ahead of renewals: Get reminders before subscriptions charge again (for the ones you mark).

- Works across cards: Combine insights from multiple credit cards in one view.

### 1.60 — 2026-01-19

1. Recurring subscriptions alerts

### 1.58 — 2026-01-11

Improve first page loading duration

### 1.57 — 2025-12-31

1. Quicker first load timing

## Related topics

[credit card ai](https://appshunter.io/ios/topics/credit-card-ai)

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*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 2026-06-01.*