Credit Card Central

Credit Card Central keeps every credit card, annual fee, and sign-up bonus in one private dashboard — so you never pay a fee you forgot about, miss a bonus deadline worth hundreds, or let a monthly credit expire unused. No bank logins. No account. Everything stays on your device. ANNUAL FEE RADAR • Track each card's fee amount and renewal date • Reminders 30, 7, and 1 day before every fee hits • Log what you did — kept it, downgraded, cancelled, or called for a retention offer — and see the total value you've recovered over time • Downgrade suggestions carried in from the card library CREDITS & PERKS CHECKLIST • Track the recurring statement credits your cards ship with — monthly dining credits, annual travel credits, and more • Check them off each period; usage resets automatically when a new month, quarter, or year starts • See how much of a card's credit value you've actually captured this year — right where you decide whether the fee is worth it • Reminders before unused credits reset • Rotating 5% category card? Get a nudge to activate new categories each quarter SIGN-UP BONUS TRACKING • Record the minimum spend and deadline for every welcome bonus • Log purchases toward the minimum and watch the progress bar move • See the daily spend pace you need to make the deadline • Deadline reminders before it's too late WHICH CARD? • Pick a spending category — dining, travel, groceries, gas, streaming — and instantly see which of your cards earns the most • Reward rates auto-parsed from plain text, or set them per category yourself CREDIT HEALTH AT A GLANCE • Wallet-wide credit utilization with score-friendly bands • A live 5/24 counter for your next application — cards you track for a partner stay out of your count • Total annual fees and total credit limit across your wallet FAST TO SET UP • Preset library of popular cards with fees, bonuses, reward rates, and credits pre-filled • Or add any card by hand in under a minute • Search, sort, and swipe-to-delete with undo PRIVATE BY DESIGN • All data stored on your device — nothing is uploaded, ever • No bank linking, no credentials, no cloud account • One-tap JSON export and import for backups • Full dark mode Whether you're a points-and-miles churner juggling a dozen cards or you just want to stop donating annual fees to the bank, Credit Card Central is the fastest way to stay on top of your wallet. Free to use, supported by a banner ad. A one-time Pro upgrade removes ads forever — no subscriptions, ever.