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 across your wallet. See, card by card, exactly how much of each annual fee you've already earned back. Get a clear answer to "which card should I 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, a net performance hero, and a shareable year-in-review recap of your whole wallet.
Rewards — track points across Membership Rewards, Ultimate Rewards, ThankYou, Capital One Miles, Bilt, hotel programs, airline miles, and more, with cash valuations.
Tools — the Wallet Optimizer tells you the best card for every spending category. 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, Frequent Miler, AwardWallet, and more.
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.
• Catalog covers Amex, Chase, Citi, Capital One, Bilt, and most major issuers — Resy, Uber, Walmart+, Saks, airline incidentals, free-night certs, and dozens more — kept current as issuers change terms.
• Wallet Optimizer with 11 spending categories. Conditional bonuses (portal-only, brand-locked) get demoted behind easier-to-use cards so the top pick is always the most general option.
• Card recommendations — find cards that would earn more on your top categories, plus upgrade paths (Sapphire Preferred → Reserve, Gold → Platinum).
• Catch-up flow — added a card mid-year? Mark which months you already used credits in. Partial amounts supported, no double-counting.
• Reminders that keep credits on your radar — get nudged 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 in Credit Buddy?" or mark a credit used, hands-free.
• Points calculator with a Poor / Good / Great value meter.
• Native iOS feel — context menus, swipe actions, haptics, shake to undo.
• Privacy-respecting — no bank logins, no Plaid, no third-party aggregators. Your cards stay on your device, with optional iCloud sync. Anonymous analytics is opt-in, off by default, and never includes your cards, balances, or amounts.
CREDIT BUDDY+
Free forever for tracking up to 3 cards and 3 reward accounts — including the full Tracker, the fee-recovery scoreboard, expiry and annual-fee reminders, the 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, 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.
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