Card Smart
Plan your credit card payments
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Take full control of your credit card payments — without sharing a single piece of personal data.
Credit Wise helps you understand how your credit cards work, calculate interest, and plan smarter purchases — all offline and 100% private.
Key Features:
- Add all your credit cards
- Store name, interest rate (APR), cutoff date, and payment date — just what you need, nothing you don’t.
- Simulate any purchase
- Enter a date, amount, and card — instantly see:
- When it will appear on your statement
- The exact due date
- Interest you’ll pay if you don’t pay in full
- Get useful payment tips
- Learn when’s the best day to buy to get extra days before payment or save interest.
- Visual Payment Calendar
- View your upcoming purchases, statement closes, and due dates on an intuitive timeline. See how waiting just a few days can change everything.
- Offline. Private. Secure.
- Credit Wise works entirely on your device. No logins. No cloud. No personal data shared.
- Export your data
- Generate and share detailed payment reports in Excel or PDF format.
Perfect for
Anyone who uses credit cards and wants to make smarter decisions about when and how to pay.
Stop guessing. Start planning smarter with Credit Wise.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Optimizations and improvements added.
The developer, Ruben Carrascal, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Ruben Carrascal
- Size
- 28.4 MB
- Category
- Finance
- Compatibility
Requires iOS 15.0 or later.
- iPhone
Requires iOS 15.0 or later. - iPod touch
Requires iOS 15.0 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Contains
Advertising
- Copyright
- © Coding Vault SAS 2026