CardLab: Track Cards & Rewards

CardLab tells you which card to use, and keeps every card you own honest.

Track the cards in your wallet for free. With CardLab Pro, pick them from a catalog of more than 300 real cards from the banks in your market, and CardLab ranks every card it has checked for any purchase: by category, or by naming the store. Every rate and fee in the catalog shows the issuer page it was read from, the sentence it was read from, and the date. Nothing is estimated, and nothing is rounded up.

No bank login. No real card number. No CVV. No account.

BEST CARD
• Which of your cards earns the most for groceries, dining, travel, fuel, online shopping and more
• Search any store and see which card wins there, and whether a bonus actually applies
• Bonus caps are counted against what you have already spent, so a card spent to its cap stops winning
• When nobody has published a rate, CardLab says the rate is not set instead of guessing

VERIFIED CARD DATA
• Real cards from the United States, United Kingdom, Canada, Australia, United Arab Emirates, Saudi Arabia, Germany, Italy, Spain, Singapore, the Philippines, Indonesia, Brazil, France, Japan and Mexico
• Tap "Where this number came from" on any rate or fee to read the issuer's own sentence and the date CardLab last checked it
• Fees appear the way your bank prints them: monthly stays monthly, and any yearly total is labelled as CardLab's arithmetic
• Statement credits from the issuer's own page, ready to track in one tap

CARD CALENDAR
• Your fee anniversary, a three-week warning before an annual fee posts, anniversary credits and welcome-bonus deadlines, all dated from the day you opened the card
• Optional statement-closing and payment-due reminders

TRACK EVERY CARD
• A wallet view of every card: bank, APR, balance, available credit and utilization, plus your totals across cards
• Log a purchase or payment by voice with Siri or Shortcuts, from a Home Screen widget, or with a single tap
• Backdate any purchase or payment to bring months of history in
• Cover a friend's purchase and track what they owe you back
• Export any card's history to CSV or PDF

SIMULATE BEFORE YOU SWIPE
• Statement date, due date and the grace period
• Interest, day by day, using the method your card actually uses
• Minimum payment against paying more, and the months and interest you would save
• Utilization and an educational Credit Health Meter
• Installments, cash advances, balance transfers and foreign transactions
Every simulator is free, in all 40 country presets.

LEARN BY DOING
23 short lessons on how credit cards really work, with no jargon and no shame. What if I pay before the statement closes? What if I only pay the minimum? What if my cashback is smaller than my interest?

CARDLAB PRO
The tracker, the calendar and every simulator are free for two cards in one country. CardLab Pro adds the checked card catalog and Best Card, store search and cap-aware ranking, alerts before a statement closes or a bonus window ends, every card you own in any country, custom APR and statement dates, the advanced lessons and PDF export. Monthly or yearly, cancel any time.

PRIVATE BY DESIGN
Local-first: your cards and history stay on your device. Optional iCloud sync puts your own data in your own iCloud, and nowhere else. No ads, no tracking, and we never sell your data.

IN 34 LANGUAGES
Pick your language in Settings. Dynamic Type and VoiceOver are supported throughout.

IMPORTANT
CardLab is for education and planning only. It does not provide financial, legal, tax or credit advice, and it does not calculate or predict your real credit score, approval or any lender's decision. Issuer rules, fees and interest can change; check the issuer's page before you rely on a number.

Terms of Use: https://getcardlab.app/terms
Privacy Policy: https://getcardlab.app/privacy