Your actual credentials, on their servers.
Apps that auto-track your credits do it by logging into your bank as you. That's how fraud locks happen — and a breach there is a breach of everything.
No logins. No Plaid. No subscription.
Your cards owe you money.
That $695 annual fee comes with credits that quietly expire every month. Credit Buddy helps you collect every one of them — privately, on your iPhone, without ever asking for a bank login.
- Nothing leaves your device
- 146-card catalog
- $9.99 launch sale, yours forever
Free for 3 cards. Credit Buddy+ is $9.99 once during the launch sale (reg. $19.99) — less than one missed Uber credit.
Fee recovered
$430 of $695
Renewal in 47 days
Expiring soon
Dining credit
$7 used · $3 left
0
bank logins, ever
146
cards in the catalog, updated remotely
$9.99
once — not $90 every year
PRIVATE BY ARCHITECTURE
Why there's no "Connect your bank" button.
$50–110 a year to track a coupon book.
The math is hard to love: a yearly subscription that eats a meaningful slice of the value it helps you recover.
On your iPhone. Synced by iCloud. Done.
No credentials, no third-party aggregators, no servers of ours holding your data. Your wallet syncs across your devices through your own iCloud — and the app is $9.99, once — launch sale, normally $19.99.
Know whether the card pays for itself.
Every card gets a running scoreboard: value recovered against the fee, what's still unclaimed, and when renewal hits — so keep-or-cancel becomes a glance, not a guess.
Points get a value, not just a balance.
Track balances, estimated value, transfer partners, and the redemptions you're proud of.
Credits stop quietly aging out.
Reminders, calendar sync, and renewal math tuned to each benefit's real cadence.
PROPERLY NATIVE
It lives where you already look.
- WidgetsYour next expiring credit on the Home Screen, with days left and urgency at a glance.
- Lock Screen & SiriAsk "what's expiring this week?" or mark a credit used — without ever opening the app.
- Smart notificationsOne nudge per deadline, not one per credit. Snooze or mark used right from the banner.
- Fee warningsA heads-up about 30 days before each annual fee posts, while there's still time to decide.
FEATURES
Built for the moment you ask, "wait, which card was that?"
Tracker
Credits stop hiding in tiny print.
Monthly, quarterly, semi-annual, annual, and custom renewal periods all land in a single usage view with helpful status.
- Partial usage tracking — a $7 dinner against a $10 credit just works.
- Catch Up logs the periods you missed, so the math stays honest.
- Redemption-value benefits capture what they were actually worth.
Rewards
Your points get a value, not just a balance.
Credit Buddy tracks rewards accounts, estimated value, and redemption wins so points feel like money again.
- Balance history charts show where each program is heading.
- Program-specific transfer partner views.
- Organize accounts by person for the whole household's wallets.
Wallet Optimizer
Use this by default. Switch after cap.
The optimizer explains the best card by category, then keeps cap progress visible so the recommendation changes when the math does.
- Context-aware travel guidance for booking portals.
- Manual cap progress for categories with spend limits.
- Clear buckets: default pick, conditional pick, switch after cap.
Calculator
Know when a redemption is actually good.
Turn points, miles, cash price, and fees into a clear cents-per-point value before you burn a balance.
- Compare cash and award pricing without mental math.
- Support for common travel redemption fee patterns.
- Save strong redemptions back to your rewards history.
News
When your cards change, you hear about it.
Benefit refreshes, devaluations, and issuer updates land next to the cards they affect — and catalog updates arrive remotely, without waiting on an app release.
- Scan timely updates from a wallet-first point of view.
- New and changed benefits surface as proposals you approve, not silent edits.
- Quarterly 5% category reminders, the day activation opens.
Calendar
Deadlines become visible before they become annoying.
Notifications and calendar sync help you catch expiring benefits before they turn into another annual-fee regret.
- Benefit reminders for upcoming expirations.
- Calendar sync for Credit Buddy+ users.
- Renewal timing based on the benefit's real cadence.
This month's credits are already ticking.
Setup takes two minutes — less time than finding your last statement.
HOW IT WORKS
Two minutes to set up. Zero passwords to hand over.
01
Pick your cards
Choose from the 146-card catalog and every credit, fee date, and earn rate fills itself in. Custom cards welcome too.
02
Tap when you use a credit
From the app, a widget, the Lock Screen, or Siri — marking a credit used takes one tap from wherever you are.
03
Watch the fee pay itself back
Every card's scoreboard fills in as the year goes, so renewal day arrives with an answer instead of a shrug.
PRICING
$9.99. Once. That's the launch sale.
Track 3 cards and 3 rewards accounts free, forever. Credit Buddy+ unlocks everything with one purchase — while the subscription trackers charge $50–110 every single year.
Credit Buddy+
Unlimited tracking and the features that make a complicated wallet feel manageable. Less than one missed Uber credit.
- Unlimited cards
- Unlimited rewards accounts
- Wallet Optimizer
- Advanced notifications
- Calendar sync
- Custom categories
$19.99
$9.99
Launch sale · 50% off
One-time purchase. No renewal. No "Plus Premium Pro" later.
FAQ
A few fair questions.
Why don't you connect to my bank?
Because the trade isn't worth it. Auto-tracking apps either store your real bank credentials or pipe your transactions through a third-party aggregator. Credit Buddy is built so your financial life never leaves your device — marking a credit used takes one tap, and that tap doesn't cost you your passwords.
Where does my data live?
On your iPhone, synced across your devices through your own iCloud account. We don't run servers that hold your cards, balances, or usage — there's nothing of yours on our side to breach.
What is free?
Free users can track up to 3 cards and 3 rewards accounts, use the points calculator, organize benefits, and manage renewal tracking. No trial clock, no feature teasing.
What happens when a card's benefits change?
The 146-card catalog updates remotely — no app update required. When an issuer refreshes a card, new and changed benefits show up as proposals you review and approve, so your tracking never silently drifts.
Can it handle weird benefit timing?
Yes. Monthly, quarterly, semi-annual, annual, and custom periods are part of the tracking model — including renewals based on your card-opened date, and partial usage along the way.
What does Credit Buddy+ unlock?
Unlimited cards, unlimited rewards accounts, Wallet Optimizer, advanced notifications, calendar sync, and custom categories — for a one-time $9.99 launch-sale purchase (reg. $19.99) that costs less than most trackers charge per month.
Stop tipping your card issuer.
Two minutes to set up, zero passwords to hand over, and every expiring credit on your radar. Start collecting what your cards already owe you.
Free for 3 cards · $9.99 once for everything