# Smart Credit Ledger — Credit Card Portfolio Manager

> Privacy-first credit card portfolio manager with local data storage and smart analytics. (iPhone/iPad app by Robert Van Deutekom.)

- Source: https://appshunter.io/ios/app/smart-credit-ledger/id6751474759 (this page in markdown: same URL + `.md`)
- Developer: [Robert Van Deutekom](https://appshunter.io/developer/1785061641)
- Category: Finance, Travel
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 3 MB
- Languages: American English
- Released: 2025-09-03
- Data updated: 2026-07-18
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/smart-credit-ledger/id6751474759/reviews.md

## What is Smart Credit Ledger?

Smart Credit Ledger - Privacy-First Credit Card Management

Take control of your credit card strategy with complete privacy. Smart Credit Ledger stores ALL your data locally on your device - nothing ever leaves your phone or gets shared with third parties.

100% Private & Secure
Your data stays on your device - no cloud storage, no data collection
No accounts to create, no personal information shared
Export/import your data when you need to transfer between devices
Your financial information belongs to you, not to us

Complete Credit Card Management
Track all your credit cards in one place
Monitor annual fees and never miss a payment
Set reminders for bonus deadlines and maximize rewards
Manage cards for your entire household

Smart Analytics & Insights
View credit card history and optimize your strategy
Track application history and approval rates
Monitor household credit card portfolio

Intelligent Notifications
Get timely reminders for annual fees
Never miss bonus deadline opportunities
Customizable notification settings
Badge count shows upcoming deadlines

Household Management
Add family members and track their cards
Coordinate applications across household
View issuer rules and eligibility requirements
Share insights and strategies

Simple & Intuitive
Clean, modern interface
No complicated setup required
Import existing data via CSV
Export your data anytime

Perfect for anyone who wants to optimize their credit card strategy while maintaining complete privacy and control over their financial data.

Download Smart Credit Ledger today and take charge of your credit card portfolio - your way, your data, your privacy.

## Key features

- Local data storage for complete privacy
- Track all credit cards in one place
- Monitor annual fees and payment deadlines
- Set reminders for bonus deadlines
- Smart analytics and insights
- Household management for multiple users
- Data import/export via CSV

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Premium Unlock | $4.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/smart-credit-ledger/id6751474759/reviews.md

### 5/5 — Perfect for cc app tracking

*2025-09-14*

This app works perfect for what I was looking for. It tracks my cc apps and strategies and no monthly or yearly subscriptions. I paired this app with another one from the same developer (TravelRewards Wallet) and it’s a winning combination!

## Frequently asked questions about Smart Credit Ledger

### What is Smart Credit Ledger?

Smart Credit Ledger is a privacy-first credit card management app that allows you to track all your credit cards, monitor fees, and optimize your rewards strategy. It stores all your data locally on your device, ensuring complete privacy.

### How does Smart Credit Ledger ensure privacy?

Smart Credit Ledger prioritizes privacy by storing all your financial data exclusively on your device. There is no cloud storage or data collection, and no accounts or personal information are shared with third parties.

### Can I manage credit cards for my family with Smart Credit Ledger?

Yes, Smart Credit Ledger offers household management features. You can add family members, track their cards, coordinate applications, and share insights, all while maintaining your privacy.

### Does Smart Credit Ledger have ads?

No, Smart Credit Ledger does not contain advertisements. The app is free to download and use, with optional in-app purchases for enhanced features.

### What devices does Smart Credit Ledger support?

Smart Credit Ledger is available for iPhone and iPad devices, offering a seamless experience across Apple's mobile ecosystem.

### How often is Smart Credit Ledger updated?

The app was last updated on February 4, 2026, indicating a commitment to ongoing development and improvements. The latest version is 4.

### Can I import my existing credit card data into Smart Credit Ledger?

Yes, Smart Credit Ledger supports data import via CSV files, making it easy to transfer your existing financial information into the app without complicated setup.

### What is the user sentiment for Smart Credit Ledger?

Based on the available data, Smart Credit Ledger has received a perfect rating of 5.0 stars from 1 rating, suggesting a highly positive initial user reception.

## Version history (last 5 releases)

### 4.1 — 2026-07-17

Updated the website links for developer website and support in the App Store.

### 4 — 2026-02-04

Updated Transfer Partners List.

### 3.3 — 2026-01-12

Included website link for app support request.

### 3.2 — 2026-01-02

Performance improvements for faster, more responsive experience
Enhanced stability and reliability fixes
Better error handling and user notifications
Optimized notification scheduling
Code quality and performance improvements

### 3.1 — 2025-11-29

Updated the marketing and privacy links in App Store

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| --- | --- | --- | --- |
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## More apps by Robert Van Deutekom

- [TravelRewards Wallet](https://appshunter.io/ios/app/travelrewards-wallet/id6739375455)
- [Bible Scheduler-Daily Tracker](https://appshunter.io/ios/app/bible-scheduler-daily-tracker/id6739438783)
- [SpendZen](https://appshunter.io/ios/app/spendzen/id6752612700)
- [Moodlith: Private Mood Tracker](https://appshunter.io/ios/app/moodlith-private-mood-tracker/id6755321035)
- [Template Mail](https://appshunter.io/ios/app/template-mail/id6757687789)

All apps by Robert Van Deutekom: https://appshunter.io/developer/1785061641

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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 2026-07-18.*