CardPecker vs Dutch

CardPecker — Use Your Best Card Stop guessing which credit card to use. CardPecker instantly shows which card earns the most for dining, hotels, airlines, groceries, travel, and more — and tells you when an offer or a program change is worth knowing about. CHOOSE THE BEST CARD Add your cards and reward multipliers once. Select a spending category to see your cards ranked by their effective return, including the estimated points and cash value you could earn. TODAY'S CARD NEWS Award chart changes, annual fee moves, new routes and program shake-ups, gathered each morning from the publications that cover them. Every story says where it came from — confirmed by the issuer or airline itself, or reported by a named publication — so you can judge it for yourself. CARD-LINKED DEALS Amex Offers, Chase Offers, Citi Offers and merchant promotions, with the terms up front: spend thresholds, statement credits, points earned, and whether the offer has to be activated first. Filter by issuer, and open the original source whenever you want to check the details. NEVER FORGET A BENEFIT Track travel credits, dining credits, lounge access, free nights, checked-bag benefits, and more. Benefits automatically renew according to the schedule you configure, so you can quickly see what remains available. TRACK PURCHASES AND RECEIPTS Record a purchase directly from a card recommendation. CardPecker calculates the points earned and estimated value using the card's reward multiplier. Review receipt history, filter by card, and monitor monthly totals. SCAN RECEIPTS ON-DEVICE Photograph a paper receipt and let CardPecker read the merchant and total. Receipt recognition happens directly on your iPhone, and saving the receipt image is optional. BUILT FOR MULTI-CARD WALLETS Whether you carry two cards or twelve, CardPecker makes reward categories easier to manage. Use subcategories to distinguish airlines, hotels, and other brands when different cards earn different rates. ALERTS ON YOUR TERMS Choose whether news, deals, or both are worth an alert. Turn either off at any time, and CardPecker stops sending it. OPTIONAL ICLOUD BACKUPS Schedule daily, weekly, or monthly backups to iCloud Drive. Restore your cards, benefits, purchase history, and saved receipt images when moving to another iPhone. PRIVATE BY DESIGN No account is required. Your cards, benefits, and receipt history are stored locally on your device, and receipt scanning uses on-device text recognition. News and deals are fetched from CardPecker's own service, and nothing about your cards or your spending is sent with the request. CardPecker does not ask for your location.

Dutch splits shared expenses — a dinner, a trip, a flat — and works out who owes whom. No accounts. No servers. No sign-up. EVERYONE'S IN, IN ABOUT A MINUTE You're at the table, the bill has arrived, and nobody wants to make an account before the coffee gets cold. So Dutch doesn't have accounts. Show your group's QR code, everyone scans it, and they're in — with the whole app. Every group also gets a short word sequence like green-moon-tea, so two people can check they're in the same place. WHO OWES WHOM, SOLVED Dutch doesn't just keep a running total. It works out the shortest list of payments that squares everybody up, so six people settling a two-week trip make a few transfers, not a dozen. Mark one paid and the balances clear. BUILT FOR REAL TRIPS • Split a bill evenly, leave someone out, or give one person a double share • Or skip percentages: type the exact amounts off the receipt and the rest divides among the others • More than one of you put money in? Enter it once and say who paid what • Add a tip, tax or service charge as a percentage, applied before the split • Every leftover cent is distributed, never dropped — the totals always reconcile • Paid in another currency? Enter the rate you actually got — Dutch converts once, at that rate, so balances never drift • Enter last night's dinner tomorrow — every expense has a date • Settle part of a debt when only part of it changed hands • Give expenses a category and everyone a colour, so the log can be scanned • Get a notification when someone else adds an expense — written by your phone, not by a server • Send the whole reckoning to anyone as plain text • Archive a trip when it's over, without deleting it • Add an expense and it appears on everybody's phone WHERE YOU SPENT IT, IF YOU WANT Switch on Nearby Places and a button beside the title offers the cafés and restaurants around you: one tap names the expense and pins it to that place, which anyone in the group can open in Maps. Dutch can also set the expense to the currency of the country you're in. Both are off until you turn them on. Dutch reads where you are only when you tap that button — never in the background — and nothing is kept unless you pick somewhere. WITHOUT OPENING THE APP • Ask Siri to add an expense, or what you owe in a group • Long-press the icon to log an expense in the group you were last in • Find any group straight from Spotlight READABLE BY EVERYONE VoiceOver labels throughout, Dynamic Type, and every animation honours Reduce Motion. The colours that carry meaning — what you owe, what you're owed — were measured against the contrast they need. SMALL, AND ENTIRELY YOURS Smaller than a photo, and there is no backend. No server holds your expenses, there is no account to create, and there is no analytics of any kind. Your groups live in your own iCloud, and sharing one uses Apple's own CloudKit sharing — the same mechanism as a shared photo album. A place you pin to an expense lives there too. That isn't a policy that could change next quarter. There is nowhere for the data to go, because the infrastructure to collect it was never built. Dutch contains no third-party code at all: no ads, no trackers, no analytics SDK, no crash reporter. It's built with Apple's frameworks only, and the entire source is published under the Mozilla Public License — so you don't have to take any of this on trust. FREE, AND PAID Every feature works on the free tier — no ads, no trial, nothing withheld. The one limit is one group created at a time. Groups you join never count toward that. Scanning a friend's code is always free, however often you do it — the worst possible moment to ask someone for money is while five people wait for them at a restaurant table. Dutch Unlimited is a one-time purchase that lifts it for good. Not a subscription, and it's shared with your Family Sharing group.