Every benefit gets a little scoreboard.
See used value, remaining value, reset timing, catch-up actions, and redemption value entry right from card details.
For wallets with fussy rules
Make every card pull its weight.
Credit Buddy turns statement credits, renewal dates, rewards balances, and "which card should I use?" math into one calm, useful place.
- 146-card catalog
- Wallet Optimizer
- Cap tracking
Free on the App Store. Credit Buddy+ is a one-time $4.99 unlock.
Available now
$819 left
6 benefits ready to use
Next up
Dining credit
$7 used ยท $3 left
146
cards in the current catalog
3
cards tracked free
$4.99
one-time Credit Buddy+ unlock
Points and miles without the spreadsheet fog.
Track balances, estimated value, transfer partners, and saved redemptions.
The app remembers the boring dates.
Renewals, expirations, and calendar sync keep credits from quietly aging out.
FEATURES
Built for the moment you ask, "wait, which card was that?"
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.
- Add Usage and Catch Up actions reuse the same app flows.
- Redemption-value benefits can capture what they were actually worth.
- Custom categories keep weird perks from becoming junk drawers.
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.
- Unlimited rewards accounts with Credit Buddy+.
- Program-specific transfer partner views.
- Calculator saves strong redemptions back to your history.
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.
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.
Card changes get a calmer place to land.
Follow relevant card, rewards, and issuer updates without turning every minor program change into a research project.
- Scan timely updates from a wallet-first point of view.
- Keep product changes near the cards they affect.
- Use news as a prompt to review benefits and rewards.
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.
HOW IT WORKS
Set it up once. Let the app do the remembering.
01
Add your cards
Pick from the catalog, add custom cards when needed, and keep sensitive bank credentials out of it.
02
Track usage
Mark credits used, catch up missed periods, record redemption value, and see what is still on the table.
03
Spend smarter
Use optimizer guidance, reminders, and value views to decide which cards deserve a spot in your wallet.
PRICING
Start free. Upgrade once.
Track 3 cards and 3 rewards accounts for free. Credit Buddy+ unlocks the full toolkit with one purchase, not another subscription.
Credit Buddy+
Unlimited tracking and the features that make a complicated wallet feel manageable.
- Unlimited cards
- Unlimited rewards accounts
- Wallet Optimizer
- Notifications
- Calendar sync
- Custom categories
$4.99
One-time purchase
FAQ
A few fair questions.
Do you need my bank login?
No. You add cards and usage manually. Credit Buddy is built around tracking and recommendations, not bank credential access.
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.
Can it handle weird benefit timing?
Yes. Monthly, quarterly, semi-annual, annual, and custom periods are part of the tracking model, including opened-date based renewals.
What cards are supported?
The current catalog covers 146 cards across major issuers, with verified rewards, benefits, fees, and optimizer metadata where available.
What does Credit Buddy+ unlock?
Unlimited cards, unlimited rewards accounts, Wallet Optimizer, notifications, calendar sync, and custom categories for a one-time $4.99 purchase.
Does the optimizer know about caps?
Yes. You can manually update cap progress, and the optimizer can show when to switch after a capped card stops being the best pick.
Want the occasional wallet nudge?
Download Credit Buddy today. Leave your email here if you also want low-noise notes on new cards, optimizer updates, and small ways to pull more value from the cards you already have.