Cardinate watches every card, every promo expiry, and every dollar — then tells you exactly what to pay and when. Quietly. Precisely.
Three quiet instruments. They do one thing each, well — and they never beg for your attention.
Limit, balance, APR, utilization. The whole portfolio in one quiet view.
0% balance-transfer windows on a timeline so the snap-back never wins.
Avalanche, snowball, or BT-priority — month by month, no spreadsheets.
Cardinate is a free-to-try credit card tracker built for people managing multiple cards. Add each card manually or securely auto-sync with your bank — Cardinate instantly shows your total debt, weighted APR, and available credit in one dashboard. No spreadsheets, no scraping, no permissions you'll regret tomorrow.
Cardinate supports three proven debt payoff methods. The avalanche method targets your highest-APR card first, saving the most in interest. The snowball method clears the smallest balances first to build momentum. The balance-transfer strategy tracks 0% promo windows so you pay them off before rates snap back.
0% balance transfer offers are powerful tools — but only if you pay them off in time. Cardinate puts every promo window on a visual timeline so you always know how much runway you have left, what the snap-back rate will be, and exactly how much to pay each month to land at zero before the deadline.
Start free with bank sync for 2 cards. Upgrade to Pro for unlimited cards, AI insights, and every payoff strategy. 14-day free trial on Pro — no card required.
