Credit Card Central
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About this app
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: a private credit card tracker that stays on your phone.
ANNUAL FEE RADAR
Track each credit card's annual fee and renewal date. Get reminded 30, 7, and 1 day before it posts, then log your decision — kept, downgraded, cancelled, or retained after a retention call — and watch your total recovered value grow.
WHICH CARD?
Standing at the register? Pick a spending category — dining, travel, groceries, gas, streaming — and instantly see which card in your wallet earns the most rewards. Rates parse automatically from plain text like "4x on dining", 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, watch the progress bar move, and see the daily spending pace you need to make the deadline.
CREDITS AND PERKS CHECKLIST
Track the recurring statement credits your cards ship with — monthly dining credits, annual travel credits, and more. Check them off each period, see how much of the card's value you've actually captured this year, and get reminded before unused credits reset. Rotating 5% category cards can nudge you to activate new categories each quarter.
CREDIT HEALTH AT A GLANCE
Wallet-wide credit utilization with score-friendly bands, a live 5/24 counter for your next application (a partner's cards you track stay out of your count), and totals for annual fees and credit limits.
FAST TO SET UP
Add popular credit cards from the preset library with fees, bonuses, and reward rates pre-filled — or enter any card by hand in under a minute. Search, sort, and swipe to delete with undo.
PRIVATE BY DESIGN
No bank logins. No account. No cloud. Your credit card data stays on your device, with one-tap JSON export and import for backups. Full dark mode included.
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.
ANNUAL FEE RADAR
Track each credit card's annual fee and renewal date. Get reminded 30, 7, and 1 day before it posts, then log your decision — kept, downgraded, cancelled, or retained after a retention call — and watch your total recovered value grow.
WHICH CARD?
Standing at the register? Pick a spending category — dining, travel, groceries, gas, streaming — and instantly see which card in your wallet earns the most rewards. Rates parse automatically from plain text like "4x on dining", 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, watch the progress bar move, and see the daily spending pace you need to make the deadline.
CREDITS AND PERKS CHECKLIST
Track the recurring statement credits your cards ship with — monthly dining credits, annual travel credits, and more. Check them off each period, see how much of the card's value you've actually captured this year, and get reminded before unused credits reset. Rotating 5% category cards can nudge you to activate new categories each quarter.
CREDIT HEALTH AT A GLANCE
Wallet-wide credit utilization with score-friendly bands, a live 5/24 counter for your next application (a partner's cards you track stay out of your count), and totals for annual fees and credit limits.
FAST TO SET UP
Add popular credit cards from the preset library with fees, bonuses, and reward rates pre-filled — or enter any card by hand in under a minute. Search, sort, and swipe to delete with undo.
PRIVATE BY DESIGN
No bank logins. No account. No cloud. Your credit card data stays on your device, with one-tap JSON export and import for backups. Full dark mode included.
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.
Annual fee alerts, sign-up bonus deadlines & rewards. Know which card to swipe.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
- This app may share these data types with third partiesDevice or other IDs
- No data collectedLearn more about how developers declare collection
- Data is encrypted in transit
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Everyone
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About the developer
Nelson Lai
nelson@chinesepowered.com
1188 Mission St Apt 409
San Francisco, CA 94103-1591
United States
