Card Smart vs CardBrain

Take full control of your credit card payments — without sharing a single piece of personal data. Credit Wise helps you understand how your credit cards work, calculate interest, and plan smarter purchases — all offline and 100% private. Key Features: - Add all your credit cards - Store name, interest rate (APR), cutoff date, and payment date — just what you need, nothing you don’t. - Simulate any purchase - Enter a date, amount, and card — instantly see: - When it will appear on your statement - The exact due date - Interest you’ll pay if you don’t pay in full - Get useful payment tips - Learn when’s the best day to buy to get extra days before payment or save interest. - Visual Payment Calendar - View your upcoming purchases, statement closes, and due dates on an intuitive timeline. See how waiting just a few days can change everything. - Offline. Private. Secure. - Credit Wise works entirely on your device. No logins. No cloud. No personal data shared. - Export your data - Generate and share detailed payment reports in Excel or PDF format. Perfect for Anyone who uses credit cards and wants to make smarter decisions about when and how to pay. Stop guessing. Start planning smarter with Credit Wise.

Get more value from every card in your wallet. Premium credit cards can include statement credits, category bonuses, travel protections, and other perks—but remembering what is available, what you have used, and which card to choose can be difficult. CardBrain brings your wallet into one clear, private dashboard on iPhone and iPad. Track benefits, compare perks, choose the best card for a purchase, and see whether annual fees are paying for themselves. TRACK BENEFITS Follow monthly, quarterly, semiannual, annual, and multi-year statement credits. Mark a benefit as used or enter a partial amount to see what remains before it resets. FIND THE BEST CARD Search a store or select a spending category to see which card in your wallet is likely to earn the most. Categories include dining, groceries, gas, travel, online shopping, rental cars, and foreign purchases. UNDERSTAND YOUR REAL ANNUAL COST CardBrain calculates effective annual fees using the benefits you have actually redeemed. Review the math by card and use the wallet value audit to make more confident renewal decisions. COMPARE PERKS AND PROTECTIONS Review rental car coverage, trip delay, cell phone protection, purchase protection, extended warranty, foreign transaction fees, and more across your cards. STAY ORGANIZED Add card open dates and private notes for retention offers, downgrade plans, referral bonuses, or anything else you want to remember. You can also add custom benefits. BUILT FOR IPHONE AND IPAD Use a streamlined phone experience or take advantage of spacious iPad dashboards, split views, and side-by-side card details. 230+ CARDS SUPPORTED Explore a growing catalog from major U.S. and Canadian issuers, including American Express, Chase, Capital One, Citi, Bilt, Bank of America, Wells Fargo, U.S. Bank, Discover, and more. CARDBRAIN PRO CardBrain is free to start. The optional CardBrain Pro upgrade adds reminders for expiring credits, card anniversaries, and free-night certificates, plus wallet value audit tools. Choose an annual auto-renewable subscription or a lifetime unlock. PRIVACY FIRST No bank login. No advertising. Your selected cards, benefit progress, notes, reminders, and preferences stay on your device. CardBrain uses RevenueCat to manage purchases and fetches public card catalog data over HTTPS so card information can stay current. CardBrain is not affiliated with any card issuer or payment network. Benefit terms change frequently; always confirm current details with your issuer before making financial decisions. CardBrain Pro Annual renews automatically unless canceled at least 24 hours before the end of the current period. Payment is charged to your Apple ID. Manage or cancel in App Store subscription settings. Prices vary by region and are displayed before purchase. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://becky2019.github.io/creditbrain/privacy-policy.html