WiseSwipe: Interest-Free Help
Optimize card billing cycles
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
If you have multiple credit cards and find yourself calculating which one offers the longest interest-free period before every single swipe—just to let your funds sit in your yield account for a few more days—then this app is made just for you.
WiseSwipe is designed specifically to help you calculate the interest-free period for each card and check future interest-free rankings, ensuring you always use the most cost-effective card for every purchase.
■ Features you might want to know:
• No Personal Data Collected: The app runs completely on your local device with no network connection, no registration, and no cloud servers. It also supports secure, AES-encrypted local backups and exports, making device migration effortless and safe.
• Home & Lock Screen Widgets: Once you add your cards, you don't even need to open the app. With a quick glance at your screen, you can see the best card recommendation and repayment countdowns. We offer multiple widget styles, fully optimized for Dark and Transparent modes, with more designs coming soon.
• Statement & Repayment Notifications:
- Statement Date Alerts: Get notified right after your card's statement date, helping you lock in the longest interest-free window (up to 50+ days).
- Due Date Alerts: Receive timely notifications on payment deadlines so you never miss a payment or face overdue interest.
• Interest-Free Ranking Calendar: Tap any future date on the calendar to view the "Interest-Free Ranking," helping you plan your major purchases ahead of time.
• Excluding Cards & Overdue Settings: If a card has accidentally gone overdue, or if you simply want to manage a card without using it for daily spending, we offer multiple ways to customize your interest-free rankings.
■ From the Developer:
Before building WiseSwipe, I tried many similar tools but found none that truly met my expectations. I wanted a clean, secure, and minimal utility—one that has no bookkeeping clutter, doesn't recommend financial products, and strictly keeps the focus on credit card payment cycles and interest-free optimization.
I also specifically wanted lock screen and home screen widgets, allowing me to setup and forget, letting the app quietly serve me right from my screen.
Hope you enjoy using it!
■ Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Improvements
• Biometric Authentication: Passcode fallback on biometric failure and secondary verification when disabling.
• Pro Subscription & Purchase Flow: Improved loading stability and localized error messaging.
• Overall UI/UX: Refined card entry, keyboard focus navigation, and general interface polish.
The developer, 莹洁 梁, 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 Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- 莹洁 梁
- Size
- 8.3 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English and Simplified Chinese
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Yearly Plan $9.99
- Monthly Plan $1.99
- Lifetime Plan $24.99
- Copyright
- © 2026 WiseSwipe