# TodayKa: Credit Card Manager — Maximize interest-free days.

> Maximize interest-free days. (iPhone/iPad app by Starvisi.)

- Source: https://appshunter.io/ios/app/todayka-credit-card-manager/id6744429880 (this page in markdown: same URL + `.md`)
- Developer: [Starvisi](https://appshunter.io/developer/1807685434)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.6 · 32 MB
- Languages: American English, Chinese (Simplified, China), Chinese (Traditional, Hong Kong SAR China)
- Released: 2025-04-21
- Data updated: 2026-09-15
- User reviews in markdown: https://appshunter.io/ios/app/todayka-credit-card-manager/id6744429880/reviews.md

## What is TodayKa?

How many credit cards do you have? Are you tired of miscalculating grace periods or forgetting due dates? TodayKa is a simple and easy-to-use credit card status tracking and management tool! We focus on multi-card interest-free period calculations, timely repayment reminders, and bill record management — helping you maximize every card's grace period, spend smartly, and say goodbye to late fees.

Accurate Multi-Card Grace Period Calculation
Simply enter your billing and repayment dates, and the app automatically calculates and clearly displays the current interest-free days for each of your cards. Wondering which card is best to use today? You'll know at a glance!

AI Camera Card Scanner, Instant Setup
Simply point your camera at your physical card to instantly detect the card number, expiry date, and cardholder name in milliseconds. Features a dedicated 1.586:1 golden-ratio viewfinder with hardware-level region-of-interest targeting, international standard Luhn (Mod 10) validation, and smart OCR error-correction. 100% offline and private on your device.

Bill Entry & History Summary
Log your bill amount each cycle with a single tap. TodayKa automatically records every statement and gives you a complete view of your spending history — monthly averages, peaks, and totals — so you always know exactly how you're using each card.

Annual Fee Management
Set up annual fee details for each card and let TodayKa automatically track fee due dates and waiver progress. Get timely alerts before fees are charged, so you never lose money to a forgotten annual fee again.

Status Tracking & Timely Reminders
Say goodbye to manual tracking and calendar alerts! TodayKa tracks the current phase of each card in real time (billing cycle, repayment countdown, grace period). With clear countdowns and status indicators, it provides timely reminders to pay on time, helping you protect your credit score while maximizing your interest-free benefits.

Minimalist Design, Simple and Easy to Use
No complicated settings, no cluttered features. The interface is highly intuitive, allowing you to add and manage cards in seconds. Anyone can easily become a credit card master.

Now with Apple Watch Support
Track your credit cards right from your wrist! With our Apple Watch app, you can instantly check your remaining interest-free days and upcoming due dates without even taking out your phone. Managing your credit cards has never been easier.

Local Data Storage
We deeply understand the importance of your data security. TodayKa stores all data securely on your device. We will never collect, store, or upload any of your personal information, ensuring the security of your privacy.

Convenient Widgets (iOS 17+)
Add a widget to your home or lock screen for daily automatic update reminders, keeping track of your grace periods effortlessly without opening the app.

We welcome your suggestions. Email: starvisi@outlook.com

Privacy Policy: https://todayka.starvisi.com/en/pages/privacy.html
Terms of Service: https://todayka.starvisi.com/en/pages/terms.html

TodayKa — Make every credit card work for you.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime Member | $1.99 | one-time |
| Lifetime VIP 50% Off | $0.99 | one-time |


## Recent user reviews (7 of 7)

All indexed reviews: https://appshunter.io/ios/app/todayka-credit-card-manager/id6744429880/reviews.md

### 3/5 — 有点小失望

*2026-09-03*

为什么没有还款通知的，就是和微信一样在锁屏界面和主屏幕上方显示

**Developer response:** 您好，有的，您需要授权通知权限，还款通知gu会在还款前一天的晚上八点，和当天的九点触发。

### 5/5 — 打开App要过一会帮会显示正确的免息天数

*2026-08-06*

如题。小组件显示的是准的，但点击打开就需要等待刷新才能正确显示免息天数，是不是bug？

**Developer response:** 非常感谢你的反馈，是个优化点，请关注后续的更新。

### 1/5 — 不能获取账单

*2026-07-31*

还以为是查账还款软件了，原来不是

**Developer response:** 银行一般应该不会开放获取账单的api，只有大厂的app才能支持这样的账单自动获取。我们将会支持手动输入账单的功能，和一些统计功能。我们始终坚持实用主义，开发简洁实用的App。

### 4/5 — 请支持选择 银行卡的发卡银行

*2026-07-26*

选择银行后 ，就可以显示 卡片的 不同银行的背景， 还可以手动编辑 卡片背景

**Developer response:** 感谢您的反馈，请留意我们后续更新。

### 3/5 — 希望增加个年费提醒

*2026-07-15*

能不能增加个卡的年费提醒

**Developer response:** 感谢你的反馈，这边会在后续规划这个功能。

### 5/5 — 还不错，还款提醒挺有用的

*2026-05-31*

还款提醒还可以，比较实用的App。把所有信用卡的信息放一起就不用各个银行app查来查去，多卡福音。要是能支持自动获取账单就更好了。小组件好评。

### 5/5 — 简单好用

*2025-05-20*

没有太多花里胡哨的，完美击中我的需求，界面还需要优化下。

## Version history (last 5 releases)

### 3.14.3 — 2026-09-12

What's New:
- Smooth Cold Start Experience: Optimized app launch sequence and native window transition, completely eliminating screen flickering and layout jumps on startup.
- Refined Cardholder Display: Fixed an issue where unset cardholders could display placeholder text abnormally in certain languages; now gracefully presented with an elegant placeholder across all languages.
- Performance & Stability Improvements: Streamlined initial data loading to eliminate redundant re-renders and enhance overall responsiveness.

### 3.14.2 — 2026-09-08

本次更新：
- 全新升级 AI 相机扫卡取景框：配备 1.586:1 实体卡黄金比例取景框与科技感扫描动效，硬件级锁定识别区域，隔绝背景文字干扰
- 扫卡算法精准度重构：引入国际标准 Luhn 模 10 校验算法，彻底杜绝单号杂码误识别；重构 4-4-4-4 分段卡号空间拼合引擎
- 凸字反光卡智能 OCR 纠错：新增常见字母与反光字符自动智能替换修复，大幅提升实体信用卡识别成功率
- 全球核心发卡行 BIN 码离线匹配：扫卡或输入卡号后，毫秒级智能推荐发卡行卡名并点亮卡组织
- 持续优化年费追踪、历史账单管理与整体运行流畅度

### 3.14.1 — 2026-09-04

本次更新：
- 优化卡组织 Logo 样式
- 优化卡号输入交互：卡号支持自动四位空格分隔，优化退格删除体验
- 修复已知问题，全面提升运行流畅度与稳定性

### 3.14.0 — 2026-09-01

What's New:
- Added AI Camera Card Scanner: Quickly scan physical credit cards using VisionKit to automatically detect card numbers, expiry dates, and cardholder names with instant offline bank lookup.
- Enhanced Annual Fee Management: Real-time tracking for swipe counts and spending waiver progress with automatic instant saving.
- Improved Bill History & Statistics: Seamless past statement management and repayment status tracking.
- Unified Navigation & Visual Polish: Refined top navigation bar transitions and enhanced fluid animations across detail screens.
- Bug fixes and overall performance improvements.

### 3.13.0 — 2026-08-18

What's New:
- Added Custom Card Face: Personalize your credit cards with photos taken with your camera or chosen from your photo library.
- Enhanced card details and list visuals with modern blurred background effects.
- Improved multilingual experience.
- Bug fixes and overall stability improvements.

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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 2026-09-15.*