With Benefits
Use every credit card perk
About
This app helps you track and utilize all the benefits and credits offered by your premium credit cards. It automatically adds card perks, reminds you of expiring credits, and helps you determine if your annual fees are worth the value you receive.
What's New in With Benefits
1.3
August 17, 2026
• 30+ NEW CARDS: The catalog now covers the cards you carry every day, not just the premium travel ones — the full Chase Freedom family, Blue Cash, Citi Double Cash and Custom Cash, Savor, Quicksilver, Discover it, Active Cash, Apple Card, Amazon Prime Visa, Costco, and more. Plus a Business section for the Amex Business and Chase Ink cards, and a cleaner Add Card screen that groups everything by type. • SMARTER BEST CARD: Cash back that's really points now counts for what it's actually worth to you. A Freedom card's 1.5% is 1.5% on its own — but if your wallet holds a Sapphire that can transfer those points out, it's ranked as 1.5x Ultimate Rewards instead. • TRUE CARD COLORS: Every card in the catalog was matched against the issuer's real card art. • Better contrast throughout Dark Mode, plus bug fixes and stability improvements. Every feature is still 100% free
MoreDeveloper apps
FAQ
Does With Benefits have ads?
No, With Benefits is completely ad-free. The app is designed with privacy in mind and does not contain any advertisements.
What credit cards are supported by With Benefits?
With Benefits supports a built-in catalog of popular premium cards including Amex Platinum, Chase Sapphire Reserve, Amex Gold, Capital One Venture X, Bilt, Delta, and United. You can also add custom cards and benefits.
How does With Benefits help me save money?
By tracking your credit card perks and reminding you of expiring benefits, With Benefits ensures you use the credits you're entitled to. It also analyzes your annual fee against redeemed benefits to show if a card is paying for itself.
Is With Benefits available on Android devices?
Currently, With Benefits is only supported on iPhone. The app utilizes iCloud sync, which is available across Apple devices.
How often is With Benefits updated?
The latest version of With Benefits is 1.2, which was last updated on July 23, 2026. Updates typically include new features, bug fixes, and support for new credit cards.
Can I log partial credit usage in With Benefits?
Yes, you can log partial amounts of credits with a date and a note as you go. This allows for detailed tracking of how you utilize your card benefits.
What is the user sentiment for With Benefits?
Based on the available data, With Benefits has a perfect rating of 5.0 stars from 1 rating, indicating very positive user sentiment.
Does With Benefits require an account to use?
No, With Benefits does not require an account. Your data is stored privately in your own iCloud database and syncs automatically across your devices without touching external servers.
