kardfolio: Card Benefits

kardfolio: Card Benefits

Track Credits & Annual Fee ROI

1 ratings
1 review
Free

Details

  • Released
  • Updated
  • March 5, 2026
  • July 24, 2026

Features

kardfolio: Card Benefits video #1 for iPhone
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kardfolio: Card Benefits screenshot #5 for iPhone
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kardfolio: Card Benefits screenshot #9 for iPhone
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About

This app helps premium credit card holders track their benefits, expiring credits, and annual fee return on investment. It provides clear insights to help users decide which cards to keep, downgrade, or cancel, all without connecting bank accounts.

Track expiring credits
Understand annual fee ROI
Organize premium wallet
Privacy-first tracking
Manual card addition
Benefit reminders
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What's New in kardfolio

2.1.1

July 24, 2026

- Search is more useful across your wallet and the card catalog, with clearer matches for cards, benefits, merchants, categories, and guides. - Benefit dates and reset timing stay aligned across time zones, with more reliable usage history and clearer Citi Nights schedule details.

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User reviews

Thoughtful UX for managing card benefits

kardfolio has a really well-designed UX for anyone juggling multiple credit cards. The Today view makes it easy to see what needs attention right now, especially urgent credits or benefits before they expire.

Search is also genuinely useful. Instead of digging through card pages or trying to remember every benefit, I can quickly find the best card for what I’m trying to do. The app feels focused, practical, and built around real cardholder workflows.
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Response from developer

Thank you for the thoughtful review. I’m really glad Today and Search are helping with real cardholder workflows; that’s exactly what kardfolio is built around. Appreciate you taking the time to share this.

Developer apps

FAQ

What is kardfolio?

kardfolio is a finance app designed to help premium credit card holders track their benefits, expiring credits, and the return on investment of their annual fees. It aims to prevent missed value and provide confidence in card renewal decisions.

How does kardfolio help with expiring credits?

kardfolio allows you to see monthly, quarterly, and annual benefits in one place, prioritize credits that need attention before they reset, and log usage. It also provides reminders before benefits expire.

Can kardfolio help me understand my annual fee ROI?

Yes, kardfolio helps you compare the value of captured benefits against your annual fees. This allows you to review renewal decisions and track the remaining benefit value across your credit card wallet.

Does kardfolio require connecting bank accounts?

No, kardfolio is a privacy-first tracking app that does not require bank logins or transaction scraping. You add cards manually, and your wallet data stays focused on card value and renewal decisions.

What credit card issuers are supported by kardfolio?

kardfolio supports premium cards from major issuers including American Express, Chase, Capital One, Citi, Bank of America, U.S. Bank, and Barclays, among others.

What is the pricing for kardfolio?

kardfolio is free to download and use, allowing you to add up to 5 cards. An optional Pro version is available via in-app purchase for unlimited card tracking.

How often is kardfolio updated?

The latest version of kardfolio is 2.0.1, which was last updated on June 23, 2026. This indicates a commitment to regular updates and improvements.

What devices does kardfolio support?

kardfolio is available for iPhone and iPad devices, making it accessible to a wide range of Apple users.