Cardo: Credit Card Rewards

Get More From Your Cards

Only for iPhone

Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.

iPhone

Stop leaving money on the table. Cardo tells you the best card to use for every purchase, tracks your statement credits so you never miss one, and shows you exactly how much you're saving — all without linking your bank accounts. BEST CARD, EVERY TIME Cardo instantly ranks your best cards for any merchant or spending category based on earning rates, active offers, and your custom point valuations. Search 888+ merchants or browse categories like Dining, Travel, Groceries, and Gas. STATEMENT CREDITS TRACKER Track 300+ statement credits across all your cards — monthly, annual, quarterly, and one-time. Know which credits are available, pending, or claimed, and get reminders before they expire. SMARTPAY — BEST CARD ON YOUR LOCK SCREEN Get automatic card recommendations as you arrive at stores. Live Activities show your best card right on your lock screen. OFFERS & BONUSES Browse and track offers across your entire wallet. Filter by card, expiration, or favorites. Never miss an expiring offer with timely notifications. ROTATING CATEGORIES Track quarterly bonus categories for Chase Freedom, Discover it, and more. See activation status, spending progress, and get reminders to activate. KNOW YOUR SAVINGS Cardo calculates your actual savings. See exactly how much more you earned by using the right card — real proof, not estimates. HOUSEHOLD MODE Manage cards for your whole family. Label cards by owner — Personal, Partner, Shared, or Business. One Pro subscription covers everyone. YOUR WALLET, ORGANIZED See everything in one place: earning rates, annual fees, welcome bonus progress, transfer partners, and travel benefits. Track application status and Chase 5/24. PRIVACY FIRST No bank linking, no transaction syncing, no security risks. Your financial data stays on your terms. FREE FEATURES - Best card recommendations - Statement credits tracking - Offer tracking with reminders - Rotating category tracking - Wallet management PRO FEATURES - Top-3 card rankings with value breakdown - Push notifications for expiring credits & offers - SmartPay location-based alerts & Live Activities - Household mode (up to 6 members) Cardo Pro: $8.99/month or $49.99/year. Payment charged to your Apple ID at confirmation. Subscriptions auto-renew unless canceled at least 24 hours before the current period ends. Manage subscriptions in Settings. Any unused portion of a free trial is forfeited upon purchase. Terms of Service: https://www.usecardo.com/terms Privacy Policy: https://www.usecardo.com/privacy EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Ratings & Reviews

  • 5.0
    out of 5
    2 Ratings

A cleaner, faster Home • Home now opens with what matters: how far ahead of your annual fees you are, credits left to use, and your next fee, all in one glance. • Needs attention shows the card, the amount, and a graded deadline chip, so what's urgent stands out. Setup steps like Enroll and Activate are one tap. • Sections are tighter: sign-up bonuses, expiring credits, annual fees, and wallet upgrades each get their own space, and nothing shows twice. • Sign-up bonus progress animates in, and the progress percent is easier to read. • Wallet shows a cash-back card's headline rate ("Up to 5% back") instead of a points value. • Quarterly bonuses read as "5%" everywhere. Fixes • The home-screen widget is back. It had been missing from recent builds. • Card names are consistent across Home and Wallet ("Gold Card", not the full product name), and ®/™ symbols no longer appear in best-card results. • Perks rows line up: amount and status share the same edge, so lists scan faster. • Removed the pull-to-refresh spinner on Home, since data updates live.

Version 1.2

The developer, Kyle Frandanisa, 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 Linked to You

    The following data may be collected and linked to your identity:

    • Purchases
    • Contact Info
    • Identifiers
    • Usage Data
    • Diagnostics

  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Location

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
  • Kyle Frandanisa
Size
  • 59.1 MB
Category
  • Finance
Compatibility
Requires iOS 15.1 or later.
  • iPhone
    Requires iOS 15.1 or later.
  • iPod touch
    Requires iOS 15.1 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.
Location
  • This app may use your location even when it isn’t open, which can decrease device battery life.
Languages
  • English
Age Rating
4+
In-App Purchases
Yes
Copyright
  • © 2025 Cardo
  • Privacy Policy

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