Credit Buddy

Credit Buddy keeps your premium credit cards from quietly burning a hole in your pocket.

If you've ever paid a $895 annual fee and wondered, "wait — did I actually use any of this?" — yeah, this is for you.

Track every statement credit, anniversary perk, and bonus. See, card by card, how much of each annual fee you've already earned back. Know which card to swipe right now. Stop letting $25 dining credits expire because you forgot they existed.

WHAT'S INSIDE

Tracker — every statement credit and benefit across your cards, with progress on partial credits and a Benefit Pulse hero showing what's expiring soon.

Cards — a fee-recovery scoreboard on every card: how much of the annual fee you've earned back, whether it's paid for itself, and days until it renews. Plus Actual vs Potential value and a shareable year-in-review.

Rewards — track points across Membership Rewards, Ultimate Rewards, ThankYou, Capital One Miles, Bilt, hotel and airline programs, and more, with cash valuations.

Tools — the Wallet Optimizer tells you the best card for every spending category, Transfers finds the smartest points move to an airline or hotel partner, and the Points Calculator shows whether a redemption is a sweet spot, fair, or a wash.

News — curated credit card news, deals, and tips from Doctor of Credit, The Points Guy, and more.

SHARE WITH YOUR HOUSEHOLD

Household Mirror gives your partner a live, read-only view of your whole wallet — every card, every credit, what's used and what's still up for grabs. Send one private link; they tap it and they're in. No account needed, and they can't change your data. It syncs on its own, and you can stop sharing anytime. Sharing is part of Credit Buddy+; joining is always free.

KEY FEATURES

• Set up in seconds — pick your cards and every credit, fee date, and earning rate fills itself in. No typing, no bank login, ever.

• Import a statement — hand Credit Buddy a PDF or screenshot and it checks off the credits you've already used.

• Catalog covers Amex, Chase, Citi, Capital One, Bilt, and most major issuers — Resy, Uber, Walmart+, Saks, airline incidentals, free-night certs, and more — kept current as terms change. When a perk is discontinued, we stop counting it but keep your history.

• Auto-log — credits that renew on a schedule (streaming, dining) can mark themselves used, zero taps.

• Wallet Optimizer with 11 spending categories. Conditional bonuses get demoted, so the top pick is always the easiest to use.

• Card recommendations — find cards that would earn more on your top categories, plus upgrade paths (e.g. Sapphire Preferred → Reserve).

• Catch-up flow — added a card mid-year? Mark which months you already used credits in. Partial amounts, no double-counting.

• Reminders before a credit expires and before an annual fee posts. Free, no upgrade required.

• On your Home Screen — widgets and Lock Screen glances show what's expiring. Ask Siri what's expiring, mark a credit used, or ask about the credit on your screen — hands-free.

• Privacy-respecting — no bank logins, no Plaid, no aggregators. Your cards stay on your device, with optional iCloud sync. Optional analytics are off by default and never include your cards, balances, amounts, photos, or Household Mirror contents.

CREDIT BUDDY+

Free forever for tracking up to 3 cards and 3 reward accounts — the full Tracker, fee-recovery scoreboard, expiry and annual-fee reminders, Points Calculator, and Home Screen widgets.

One optional one-time upgrade unlocks unlimited cards and reward accounts, the full Wallet Optimizer (all 11 categories instead of 3), full card recommendations, custom categories, calendar sync, Household Mirror, and advanced notifications (monthly summaries, final warnings, activation nudges, reward-expiry alerts, custom timing). One payment, no subscription.

Credit Buddy is independent and not affiliated with any credit card issuer or rewards program. All trademarks belong to their respective owners.