Free for iPhone and Android
You paid for the perks. Use them.
Premium cards now come with a dozen small credits — monthly, quarterly, twice a year — and most of them quietly expire. CardSmart shows you the next one to use and reminds you before it resets.
Launching December 2026. Get one email when it’s in your store:
- No card numbers
- No bank login
- 113 credits across 35 cards
How it works
One calm screen instead of a dozen deadlines.
Pick your cards
Choose the cards you hold from the list. No numbers, no logins — CardSmart only needs to know which card you have.
See what’s still unused
Home leads with a single “Do this next” credit and what’s left this period, instead of a wall of perks.
Get a nudge before it resets
A quiet reminder when a credit is due soon, and a Sunday note on this week’s leftover. Tap “I used this” and it stops.
The math on one card
The Platinum Card: $895 a year, paid back in 12 pieces.
Its credits add up to $3,244 a year — but only if you use each one inside its own window. Miss a month, a quarter or a half-year and that slice is gone.
Figures from the issuer’s published terms, checked September 28, 2026. Many credits need enrollment and have restrictions; see each guide.
Every Platinum Card credit| Resets | Credits | Per year |
|---|---|---|
| Monthly | Uber Cash, Digital entertainment credit, Walmart+ credit | $655 |
| Quarterly | Resy credit, lululemon credit | $700 |
| Twice a year | Hotel credit | $600 |
| Yearly | Uber One credit, Airline fee credit, Oura Ring credit, Equinox credit, CLEAR+ credit, Venue concessions credit | $1,289 |
| Annual fee $895 | $3,244 | |
What resets next
The clock is always running on something.
Monthly credits
Oct 31 · 30 daysQuarterly credits
Dec 31 · 91 daysTwice a year credits
Dec 31 · 91 daysAnnual credits
Dec 31 · 91 daysBuilt to be trusted
It knows your cards, not your account.
Issuer apps each show their own card. CardSmart puts every card you hold in one place — without asking for anything that could move money.
No card numbers
You pick card products from a list. There is nothing to steal.
No bank connection
No logins, no transaction scraping, no credit pulls.
Honest about value
If a card isn’t paying for itself, we’ll say so — even when that means keeping, downgrading or cancelling.
Card guides
Every credit, when it resets, how to use it.
Questions
The short answers.
Is CardSmart free?
Yes. Tracking your cards and getting reminders before credits reset is free. If we add a paid tier later, the reminders you rely on stay free.
Do I have to link my bank or enter my card number?
No. You tell CardSmart which card products you hold — “The Platinum Card”, “Sapphire Reserve” — and that’s it. We never ask for card numbers, bank logins or your credit score.
Which cards does it support?
35 premium cards from American Express, Chase, Capital One, Citi, Bank of America and Wells Fargo, with more added as we verify their terms. Browse them in the card guides.
How does it know when I’ve used a credit?
You tap “I used this” when you’ve spent a credit. It takes a second, and CardSmart stops reminding you until that credit resets.
Is CardSmart affiliated with Amex, Chase or other issuers?
No. CardSmart is independent. Issuer apps track their own card; CardSmart puts every card you hold in one place and reminds you before deadlines.
How do you make money?
Today, we don’t. In the future we may earn a commission when you use a credit through a partner link, or offer a paid tier. We’ll always label paid links and never rank advice by what it pays us.
Is there a web version?
No — CardSmart lives on your phone, where the reminders are. This site is for guides and downloads.
Get back what you paid for.
Free on iPhone and Android. Two minutes to set up, then it only speaks up when a credit is about to reset.