CardBrain - Benefit Tracker

Track benefits, annual fees, best-card picks, and reminders. 140+ cards supported. Free to start, no account.

You're paying hundreds, maybe thousands, in annual fees. Are you actually getting your money's worth?

Many premium credit cards come loaded with statement credits, travel perks, shopping protections, and category bonuses. The hard part is remembering what each card offers, what you've already used, and which card to reach for at checkout.

CardBrain is a focused credit card benefit tracker. Track statement credits across your cards, compare perks and protections, find the best card for any purchase, and see whether your annual fees are actually paying for themselves.

KEY FEATURES

Smart Pick - Best Card Finder Search a store or pick a spending category, and CardBrain shows which card in your wallet is likely to earn the most. Covers everyday categories like groceries, dining, gas, travel, online shopping, rental cars, and foreign purchases.

Benefits Dashboard Track statement credits with visual progress for monthly, quarterly, semi-annual, annual, and multi-year benefits. Tap to mark a credit fully used, or log a partial amount, so you can see exactly where you stand and how much is left before it resets.

Effective Annual Fee CardBrain calculates your real annual cost after the benefits you've actually redeemed, so you can decide whether each card is still worth keeping.

Perks & Protections Comparison Compare coverage like rental car insurance, trip delay, cell phone protection, purchase protection, extended warranty, and foreign transaction fees across every card in your wallet.

Card Notes & Open Dates Add private notes for retention offers, downgrade plans, referral bonuses, or anything else worth remembering. Set each card's open date so tenure and anniversary timing are tracked accurately.

CardBrain Pro CardBrain is free to start. The optional CardBrain Pro upgrade unlocks ongoing reminder and renewal-audit tools, including alerts before credits expire, card anniversary reminders, free-night certificate reminders, and the wallet value audit for renewal decisions. Pro is available as an annual auto-renewable subscription or a lifetime unlock.

140+ CARDS SUPPORTED CardBrain includes cards from Amex, Chase, Capital One, Citi, Bilt, Bank of America, Wells Fargo, U.S. Bank, Discover, and more - a growing catalog spanning U.S. and Canadian issuers.

Add custom benefits to any card, too - loyalty perks, employer reimbursements, or credits we haven't cataloged yet.

HOW IT WORKS

1. Pick the cards in your wallet during setup
2. Your Dashboard fills with the benefits each card carries
3. Tap a progress circle as you use each credit through the year
4. Open Smart Pick to find the best card for a store or category
5. Watch your effective annual fee update as benefits are redeemed
6. Upgrade to Pro if you want recurring reminders and renewal-audit tools

PRIVACY FIRST No account. No tracking. No third-party analytics. Your selected cards, benefit progress, notes, and preferences stay on your device. CardBrain fetches the public card catalog over HTTPS so benefit data stays current without waiting for an app update.

CardBrain is not affiliated with any card issuer or payment network. Benefit terms change often, so always confirm details with your issuer before making financial decisions.

Subscription terms: CardBrain Pro Annual renews automatically unless canceled at least 24 hours before the end of the current period. Payment is charged to your Apple ID. You can manage or cancel in App Store subscription settings. Prices may vary by region and are shown before purchase.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://becky2019.github.io/CardBrain/privacy-policy.html