# With Benefits — Use every credit card perk > Maximize credit card perks and avoid expiring benefits with automated tracking. (iPhone/iPad app by Jack Gartland.) - Source: https://appshunter.io/ios/app/with-benefits/id6788884272 (this page in markdown: same URL + `.md`) - Developer: [Jack Gartland](https://appshunter.io/developer/418209376) - Category: Finance, Utilities - Price: Free - Rating: 5.00/5 from 2 App Store ratings - Age rating: 4+ - Requires: iOS 17.0 · 2 MB - Languages: American English - Released: 2026-07-14 - Data updated: 2026-08-24 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/with-benefits/id6788884272/reviews.md ## What is With Benefits? Your credit cards owe you money. Airline credits, dining credits, rideshare cash, streaming rebates — premium cards come loaded with perks that quietly expire every month, quarter, or year. With Benefits makes sure you actually use them. ADD YOUR CARDS IN SECONDS Pick from a catalog of 67 cards — Amex Platinum and Gold, Chase Sapphire Reserve, Capital One Venture X, Bilt, and the major airline, hotel, and business cards, plus the everyday cards you actually carry: the Chase Freedom family, Blue Cash, Citi Double Cash and Custom Cash, Savor, Discover it, Active Cash, Apple Card, and more. Every published credit is filled in automatically. All values are editable, and you can create fully custom cards and benefits too. LOG CREDITS WITH ONE TAP Benefits renew monthly, quarterly, twice a year, or annually. When you use one, log it with a single tap — or record partial amounts with a date and a note as you go. A usage history for every card shows each redemption grouped by month. KNOW WHICH CARD TO PULL OUT Heading to dinner, booking a flight, filling up on gas? The Best Card tab ranks your whole wallet for any purchase — and ranks by what each dollar is actually worth to you, not just the raw multiplier, so a card earning a valuable currency can beat a bigger number. It even knows when your "cash back" is really points: a Freedom card's 1.5% counts as 1.5% on its own, but as 1.5x Ultimate Rewards once your wallet holds a Sapphire that can transfer them out. Split cards show their full range, bonus and portal rates included, so you know exactly what you'll get. NEVER LET A CREDIT EXPIRE If a benefit is still unused as the end of its period approaches, With Benefits reminds you before it's gone. You choose how many days of warning you get. KNOW IF YOUR ANNUAL FEE IS WORTH IT The dashboard tallies every dollar you redeem against each card's annual fee, with a break-even progress bar and a "Use It or Lose It" list of perks expiring soon — so you always know whether a card is paying for itself. SEE YOUR SAVINGS ADD UP The Stats tab turns it into a yearly scorecard: everything you've redeemed against your combined annual fees, a per-card breakdown, all-time totals, and your single most valuable benefit. Watch your cards pay for themselves. WIDGETS, SIRI, AND ICLOUD SYNC Add a Best Card widget to your Home Screen to check the right card at a glance, or a "Use It or Lose It" widget to log expiring credits without ever opening the app — and ask Siri too. Everything stays in sync across your iPhone, iPad, and other devices automatically. EVERY FEATURE, FREE — No subscriptions, no paywalls, no locked "premium" tier. Every card, every benefit, one-tap logging, expiration reminders, usage history, and the full break-even dashboard are completely free — and always will be. There's nothing to unlock and nothing to upgrade. PRIVATE BY DESIGN No account. No ads. No tracking. Your data lives in your own private iCloud database, syncs automatically across your devices, and never touches anyone else's servers. Stop paying annual fees for perks you forget to use. Get With Benefits — and use every credit. ## Key features - Automatic credit card perk catalog - One-tap credit logging - Best card recommendation for purchases - Expiration reminders - Annual fee break-even analysis - Usage history and stats - Widgets and Siri integration ## Frequently asked questions about With Benefits ### 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. ## Version history (last 4 releases) ### 1.3 — 2026-08-17 • 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 ### 1.2 — 2026-07-23 Big update — three ways to get even more out of your cards: • BEST CARD: Pick a purchase — dining, travel, groceries, gas — and instantly see which card in your wallet earns the most, ranked by what each dollar is really worth to you. • STATS: A yearly scorecard of everything you've redeemed against your annual fees, with per-card breakdowns and all-time totals. • HOME SCREEN WIDGETS: Check your best card at a glance, or log an expiring credit without opening the app. Plus Siri shortcuts and customizable point values. Every feature is still 100% free — no subscriptions, ever. ### 1.1 — 2026-07-16 Updates to card benefits ### 1.0 — 2026-07-15 No release notes. ## Apps similar to With Benefits | App | Rating | Price | Category | | --- | --- | --- | --- | | [Earnest Mobile](https://appshunter.io/ios/app/earnest-mobile/id6738747325) | 1.9 (31) | Free | Finance | | [Fundrise: Invest in Alts](https://appshunter.io/ios/app/fundrise-invest-in-alts/id1435387568) | 4.8 (37,740) | Free | Finance | | [CardPointers for Credit Cards](https://appshunter.io/ios/app/cardpointers-for-credit-cards/id1472875808) | 4.7 (9,966) | Free | Finance | | [Bilt Rewards](https://appshunter.io/ios/app/bilt-rewards/id1565576987) | 4.9 (209,569) | Free | Finance | | [Stock Screener, AI Scanner](https://appshunter.io/ios/app/stock-screener-ai-scanner/id1501485233) | 4.8 (6,206) | Free | Finance | | [Live Oak Bank](https://appshunter.io/ios/app/live-oak-bank/id1521341307) | 2.7 (104) | Free | Finance | ## More apps by Jack Gartland - [Gogo Party Game](https://appshunter.io/ios/app/gogo-party-game/id6474883249) - [HomeBasis: Tax Basis Tracker](https://appshunter.io/ios/app/homebasis-tax-basis-tracker/id6760266752) All apps by Jack Gartland: https://appshunter.io/developer/418209376 --- *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 2026-08-24.*