The Best Apps to Track Multiple Credit Cards (an Honest Comparison)

Full disclosure before anything else: I built one of the apps on this list, so I'm biased. I went through a whole Google spreadsheet phase before I built my own, and the real answer is that the "best" app depends on what you're actually trying to keep track of.

So instead of a fake ranking, here's what each kind of app is good at.

At a Glance

First, What Are You Trying to Track?

When you have several cards, the things that usually slip are:

• Due dates, spread across different days of the month
• Utilization, per card and overall
• 0% APR end dates and balance transfer deadlines
• Annual fees and when they post
• Rewards and card benefits

Most apps are great at one or two of these and pretty bad at the rest. Pick based on which ones keep biting you.

Cardinate (Credit Card Tracker)

This is mine. Cardinate only does credit cards, and it's built for people with several of them. It shows every card's balance, utilization, due date, APR, 0% deadline and annual fee on one screen, sends reminders before due dates, promo deadlines and annual fees, and turns your balances into a payoff plan.

Here's what that looks like in practice. Say you have a Chase card due on the 5th, a Citi card with a 0% promo ending in March, and an Amex with an annual fee coming up in June. Instead of opening three apps, you'd see all three on one screen: what's due next, how much of each limit you're using, how much is left to pay before the promo ends, and when the fee hits.

• Price: Free for unlimited cards you add by hand. Or start the 14-day Pro trial (no card needed) to connect your banks through Plaid, so balances and due dates update on their own. Pro is $12.99 a month or $129 a year and also adds more payoff plans.
• Good for: Keeping deadlines, utilization and fees for lots of cards in one place, with or without linking your bank.
• Not for: Budgeting your whole life. It doesn't track groceries, bank accounts or investments.

If that's what you're after, you can try Cardinate free.

Your Bank's Own App

Every bank's app shows your balance, due date and statement, and most let you set up alerts and autopay.

• Price: Free.
• Good for: One or two cards from the same bank.
• Not for: Seeing everything together. With cards at four different banks, you're logging into four apps.

Monarch Money (Budgeting)

A full budgeting app that links all your accounts, including credit cards, bank accounts and investments, and categorizes your spending.

• Price: $14.99 a month or $99.99 a year. No free plan.
• Good for: Budgeting and net worth across everything, including households sharing money.
• Not for: Deadline tracking. It's built around spending, not 0% end dates or annual fee calendars.

YNAB (Budgeting)

YNAB uses zero-based budgeting, where every dollar gets a job. It has a clever credit card payment category that sets money aside as you spend on a card.

• Price: $14.99 a month or $109 a year, with a 34-day free trial.
• Good for: People who want a strict budgeting system and are willing to learn it.
• Not for: A quick view of all your cards' deadlines and utilization.

Copilot Money (Budgeting)

A polished budgeting app that connects your accounts, including credit cards, and keeps them updated automatically.

• Price: $13 a month or $95 a year, with a free trial. Works on iPhone, iPad, Mac and the web, with no Android app.
• Good for: Apple users who want a good-looking budgeting app.
• Not for: Android users. It's built around budgeting, not card deadlines.

Undebt.it (Debt Payoff Planner)

A web-based debt payoff planner with lots of payoff methods, including snowball and avalanche, for credit cards and loans. It also has a payment calendar, payment reminders and a credit utilization graph, and Undebt.it+ adds bank syncing.

• Price: Free, with an optional Undebt.it+ upgrade for $10 a year.
• Good for: Building a detailed payoff plan across all kinds of debt.
• Not for: A card-by-card view of annual fees and promo end dates. It's built around paying debt off.

CardPointers and MaxRewards (Rewards Trackers)

These are for points people. They track card benefits and tell you which card to use where. Activating card offers automatically is part of their paid plans.

• Price: Both have free versions and paid plans. MaxRewards needs your bank login to work its magic. CardPointers doesn't.
• Good for: Squeezing the most out of rewards and credits.
• Not for: Payoff plans or 0% deadlines. That's not what they're built for.

A Spreadsheet

This is where most of us start. A good spreadsheet with each card's limit, balance, statement date, due date, APR, 0% end date and annual fee works fine for a few cards.

• Price: Free.
• Good for: A handful of cards that you pay in full every month.
• Not for: Reminders. A spreadsheet will never tell you a 0% promo ends next week. I wrote more about when a spreadsheet stops working.

So Which One Should You Use?

• You want a budget for everything: Monarch, YNAB or Copilot.
• You want to maximize points: CardPointers or MaxRewards.
• You want a detailed payoff plan for all your debt: Undebt.it.
• You have several cards and keep losing track of due dates, utilization, promos or fees: that's exactly the gap Cardinate fills.

Plenty of people use two, like a budgeting app for spending and a card tracker for deadlines.

The Quick Version

• Budgeting apps like Monarch, YNAB and Copilot track spending across all your accounts, but they aren't built around card deadlines.
• Rewards apps like CardPointers and MaxRewards help you earn more but aren't built for payoff plans or promo deadlines.
• Undebt.it is a strong free debt payoff planner.
• Your bank's app works for one bank at a time.
• A dedicated credit card tracker like Cardinate puts every card's balance, due date, utilization, 0% deadline and annual fee in one place.

If that last one sounds like what you need, Cardinate is free to start. Add your cards by hand, or connect your banks with the free Pro trial.

Prices were checked in November 2026 and can change, so confirm on each app's site.

Sources

• FinCompareLab: Monarch Money pricing
• Upgraded Points: Best apps to keep track of credit card spending
• Copilot Money: copilot.money
• Mezzi: Copilot Money 2026 pricing
• Undebt.it: What's the deal with Undebt.it? and Undebt.it+ features and pricing
• NextCard: MaxRewards review
• CardPointers: Free vs paid