Credit Card Central

Annual Fee & Rewards Tracker

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

New: every annual fee, bonus deadline and expiring credit for the next 12 months on one timeline — with reminders before money is due. No bank logins, all on-device. Your next annual fee is coming. Credit Card Central knows the date — and reminds you 30, 7, and 1 day before it posts, along with every sign-up bonus deadline and expiring statement credit across your wallet. No bank logins. No account. Everything stays on your device. NEW — YOUR NEXT 12 MONTHS, ON ONE TIMELINE • Every annual fee, bonus deadline, credit reset and category rotation, grouped month by month • See what each month costs before it arrives, not the week it posts • The year's captured value netted against what your wallet actually charges you NEW — CREDITS & PERKS IN ONE CHECKLIST • Every recurring statement credit across every card, in one place • See exactly what's still unclaimed this month, quarter, and year • Check them off as you use them; each one resets on its own schedule • Reminders before unused credits disappear ANNUAL FEE RADAR • Track each card's fee amount and renewal date • "Is this card worth it?" — every card totals what it gave back this year against what it costs, right where you decide • Reminders 30, 7, and 1 day before every fee hits • Log what you did — kept it, downgraded, cancelled, or called for a retention offer — and see the total value you've recovered over time • Downgrade suggestions carried in from the card library WHICH CARD? • Standing at the register? Pick a category — dining, travel, groceries, gas, streaming — and instantly see which of your cards earns the most • Reward rates auto-parsed from plain text, or set them per category yourself SIGN-UP BONUS TRACKING • Record the minimum spend and deadline for every welcome bonus • Log purchases toward the minimum and watch the progress bar move • See the daily spend pace you need to make the deadline • Deadline reminders before it's too late CREDIT HEALTH AT A GLANCE • Wallet-wide credit utilization with score-friendly bands • A live 5/24 counter for your next application — cards you track for a partner stay out of your count • Total annual fees and total credit limit across your wallet FAST TO SET UP • Searchable library of 60+ popular cards with fees, bonuses, reward rates, and credits pre-filled — filter by issuer, or to cards with no annual fee • Or add any card by hand in under a minute • Search, sort, and swipe-to-delete with undo PRIVATE BY DESIGN • All data stored on your device — nothing is uploaded, ever • No bank linking, no credentials, no cloud account • One-tap JSON export and import for backups • Full dark mode Whether you're a points-and-miles churner juggling a dozen cards or you just want to stop donating annual fees to the bank, Credit Card Central is the fastest way to stay on top of your wallet. Free to use, supported by a banner ad. A one-time Pro upgrade removes ads forever — no subscriptions, ever.

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A full refresh, inside and out. NEW — Timeline: your next twelve months of annual fees, bonus deadlines, credit resets and category rotations, grouped month by month, so nothing arrives as a surprise. NEW — Credits & Perks: every recurring statement credit across your whole wallet in one checklist, showing what's still unclaimed this period and how much you've actually captured this year. NEW — "Is this card worth it?": each card now totals the credits, retention offers and bonuses it returned this year against its annual fee — on the same screen where you decide to keep or cancel. Also in this update: • The card library is searchable and filterable, and opens instantly • Cards you already track are marked, so you won't add one twice • A completely redrawn interface — new card art, new colours, a new app icon, and a proper dark mode • The app now tells you if reminders are switched off, or if a deadline couldn't be scheduled • Sharper reminders, faster screens, and a long list of fixes Your cards and settings carry over automatically.

Version 2.1.3

The developer, Nelson Lai, 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

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
  • Nelson Lai
Size
  • 51.9 MB
Category
  • Finance
Compatibility
Requires iOS 16.4 or later.
  • iPhone
    Requires iOS 16.4 or later.
  • iPad
    Requires iPadOS 16.4 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.
Languages
  • English
Age Rating
4+
In-App Purchases
Yes
Copyright
  • © Nelson Lai
  • Developer Website
  • Privacy Policy

    • More by Nelson Lai

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