Cardful: Credit Card Rewards
Best card, points & cashback
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Your cards are full of money you are not using. Statement credits that quietly expire every month. Annual fees renewing on cards that stopped earning their keep. Subscriptions renewing at prices that crept up while nobody looked. Points sitting in six programs nobody has added up. Cardful does that math for you, every day, from cards you add by name. No bank login required.
BEST CARD AT CHECKOUT
Search a store or pick a category, and Cardful ranks the cards you actually carry by what each one really earns: the multiplier times an honest cents-per-point value. It shows you the reasoning, not just a winner. Pin the answer to your Lock Screen on the way in.
CREDITS BEFORE THEY EXPIRE
Every monthly, quarterly, semi-annual, and annual credit, sorted soonest first, with the real dollars on the line. Log partial use, like $250 of a $500 hotel credit, and get a reminder before the window closes.
EVERY SUBSCRIPTION, ON A CALENDAR
Track renewals, free trials, and price hikes in one list and a month calendar of what bills when. Import your App Store subscriptions from a screenshot, read entirely on your phone. Cardful flags the charges a card credit already covers, warns you before a trial takes its first real payment, and catches the cancel-by deadline on gym-style notice periods — the day after is a month too late.
ANNUAL FEES, ANSWERED
See what renews and when, with the payback laid out: what the card earned you against what it costs. Keep it or cancel it, with a retention call script for the ones worth saving.
POINTS, VALUED HONESTLY
Every balance in one place at real cents per point, with a trend line, transfer partners and their bonuses, and a calculator that settles pay-cash-versus-redeem in seconds.
APPLICATIONS AND ELIGIBILITY
Your 5/24 count, a countdown to when slots free up, issuer-by-issuer eligibility rules for Amex, Chase, Citi, Capital One, and Bank of America, and minimum-spend progress on every open welcome bonus.
EVERYTHING ELSE
Card-linked offers in one feed instead of a dozen issuer apps. A travel vault for passport, Known Traveler, and loyalty numbers behind Face ID. Home Screen and Lock Screen widgets for expiring credits and upcoming renewals, a Live Activity while you shop, and Shortcuts support. An assistant that answers questions about your own wallet, on device with Apple Intelligence.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
Bug fixes and improvements.
Enjoying Cardful? A rating or a quick review helps a lot — thank you!
The developer, Cody Ni, 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
- Financial Info
- Contact Info
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Cody Ni
- Size
- 28.9 MB
- Category
- Finance
- Compatibility
Requires iOS 26.0 or later.
- iPhone
Requires iOS 26.0 or later. - iPad
Requires iPadOS 26.0 or later. - Mac
Requires macOS 26.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 26.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Cardful Premium, Monthly $6.99
- Cardful Premium, Annual $59.99
- Copyright
- © 2026 Cody Ni
