# kardfolio: Card Benefits — Track Credits & Annual Fee ROI

> Credit card benefit tracker for premium cardholders to maximize value and ROI. (iPhone/iPad app by Marcbex LLC.)

- Source: https://appshunter.io/ios/app/kardfolio-card-benefits/id6759400652 (this page in markdown: same URL + `.md`)
- Developer: [Marcbex LLC](https://appshunter.io/developer/1878440794)
- Category: Finance
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 26.0 · 27 MB
- Languages: American English
- Released: 2026-03-05
- Data updated: 2026-09-09
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/kardfolio-card-benefits/id6759400652/reviews.md

## What is kardfolio?

Stop letting premium card value disappear between statement credits, annual fees, and benefit rules.

kardfolio helps you track the credit card benefits you already pay for, see what is expiring, and decide whether each card is still worth keeping. It is built for premium-card holders who want clear next actions without connecting bank accounts.

TRACK EXPIRING CREDITS
- See monthly, quarterly, and annual benefits in one place
- Prioritize credits that need attention before they reset
- Log usage and review history for each credit
- Get reminders before value slips away

UNDERSTAND ANNUAL FEE ROI
- Compare captured value against annual fees
- Review renewal decisions before a fee becomes a surprise
- Track remaining benefit value across your wallet
- Keep, downgrade, or cancel with more confidence

KNOW WHAT TO USE NEXT
- Search cards, benefits, and guides quickly
- See which card fits dining, travel, gas, groceries, and more
- Browse card perks without digging through issuer pages
- Use Kai to surface the next useful move from your saved wallet data

ORGANIZE YOUR PREMIUM WALLET
- Organize cards by profile and switch between individual and combined wallet views
- Track cards by issuer, fee, status, and setup state
- Add cards manually without bank aggregation
- Support for premium cards from American Express, Chase, Capital One, Citi, Bank of America, U.S. Bank, Barclays, and more
- Add up to 5 cards free, with unlimited cards on Pro

PRIVACY-FIRST TRACKING
- No bank login required
- No transaction scraping
- You choose what to track
- Your wallet data stays focused on card value, credits, and renewal decisions

kardfolio is for cardholders with multiple premium credit cards who want to capture more value, avoid missed credits, and feel confident at renewal time.

Terms of Service: https://kardfolio.app/tos

## Key features

- Track expiring credits
- Understand annual fee ROI
- Organize premium wallet
- Privacy-first tracking
- Manual card addition
- Benefit reminders

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/kardfolio-card-benefits/id6759400652/reviews.md

### 5/5 — Thoughtful UX for managing card benefits

*2026-05-29*

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.

**Developer response:** 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.

## Frequently asked questions about kardfolio

### 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.

## Version history (last 5 releases)

### 2.2.0 — 2026-08-03

- A new onboarding experience helps you choose your cards and see the benefits and value worth tracking before you create an account.
- Sign in with Apple is now available for a faster, simpler way to save and access your wallet.

### 2.1.1 — 2026-07-24

- 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.

### 2.1.0 — 2026-07-17

- Organize cards into profiles, switch between individual and combined views, and see who owns each card across Today and Wallet.
- Create, rename, reorder, and safely remove profiles, with clear options for moving or closing their cards.
- Edit saved card offers and rewards directly, including their dates and notes.
- Review refreshed Amex Platinum and Business Platinum benefits, with more precise past-usage tracking for benefits that change or end.

### 2.0.2 — 2026-07-10

- Search is easier to use with clearer guidance and suggested searches for benefits, cards, merchants, and spending categories.
- Benefit tracking is more reliable, with clearer usage history controls and refreshed current-period totals after changes.
- Today gives you a faster look at your latest card and benefit activity while fresh information loads in the background.
- Keep your card information up to date with expanded Amex Hilton Honors Business benefits and refreshed Chase Freedom category details.
- Follow kardfolio on X or Threads directly from Settings.

### 2.0.1 — 2026-06-23

- Kai is more helpful throughout the app, with timely prompts from benefit, offer, setup, and fee review moments.
- Today loads faster and gives clearer progress, remaining value, and benefit detail context.
- Offer spend updates are easier to review, with better protection against accidentally lowering completed progress.
- Search and card details now give clearer guidance, better empty states, and more accurate Citi Nights dining results.
- Settings now includes quick links to follow kardfolio.

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## More apps by Marcbex LLC

- [cubby: Pantry & Shopping List](https://appshunter.io/ios/app/cubby-pantry-and-shopping-list/id6759426602)

All apps by Marcbex LLC: https://appshunter.io/developer/1878440794

## Related topics

[card benefits](https://appshunter.io/ios/topics/card-benefits) · [molina benefit card](https://appshunter.io/ios/topics/molina-benefit-card) · [benefit card](https://appshunter.io/ios/topics/benefit-card)

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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 2026-09-09.*