# Cardinate

> Credit-card tracker and debt-payoff planner. One view of every card — balance, limit, APR, utilization, due date, and 0% intro-APR deadlines — plus a month-by-month payoff plan using avalanche, snowball, or promo-first.

Cardinate is built specifically around credit cards rather than whole-life budgeting. It tracks per-card utilization, warns before a 0% intro APR or an annual fee lands, and turns balances into a dated payoff plan. Cards can be connected read-only through Plaid or entered by hand. The free plan is $0, forever, and covers unlimited manual cards — balances, utilization, APR, due dates, and 0% deadline alerts. Pro is $12.99/month or $129/year (2 months free) and adds automatic bank sync, payoff strategy comparison, and full history. We make money from Pro subscriptions, never from selling your data.

## Pages

- [Home](https://cardinate.app/): Product overview, features, and how Cardinate works.
- [Tools](https://cardinate.app/tools): Index of the free calculators and trackers.
- [Sign in](https://cardinate.app/login): Sign in or create a Cardinate account.
- [Privacy](https://cardinate.app/privacy): How financial data is handled and stored.

## Trackers and calculators

- [0% APR tracker](https://cardinate.app/0-apr-tracker): When each intro-APR and balance-transfer promo ends, and the monthly payment needed to clear it before the rate jumps.
- [Credit card utilization tracker](https://cardinate.app/credit-card-utilization-tracker): Per-card and total utilization, and how it affects a credit score.
- [Credit card payoff calculator](https://cardinate.app/credit-card-payoff-calculator): How long a balance takes to reach zero at a given payment.
- [Debt avalanche calculator](https://cardinate.app/debt-avalanche-calculator): Highest-APR-first payoff order and total interest.
- [Debt snowball calculator](https://cardinate.app/debt-snowball-calculator): Smallest-balance-first payoff order and total interest.
- [Balance transfer payoff calculator](https://cardinate.app/balance-transfer-payoff-calculator): Whether moving a balance beats paying the interest.
- [Balance transfer fee calculator](https://cardinate.app/balance-transfer-fee-calculator): What a transfer fee costs against the interest it avoids.
- [Minimum payment calculator](https://cardinate.app/credit-card-minimum-payment-calculator): What paying only the minimum actually costs in time and interest.
- [Credit card spending tracker](https://cardinate.app/credit-card-spending-tracker): Categorized spending across cards.

## Comparisons and guides

- [Best Mint alternative](https://cardinate.app/best-mint-alternative): Where to go after Mint shut down and moved users to Credit Karma — compared against Credit Karma, Rocket Money, and Monarch.
- [Cardinate vs Undebt.it](https://cardinate.app/cardinate-vs-undebt-it): Card-first automatic tracking versus a manual all-debt planner.
- [Best way to pay off credit card debt](https://cardinate.app/best-way-to-pay-off-credit-card-debt): Avalanche, snowball, and balance transfers compared.
- [How to track multiple credit cards](https://cardinate.app/how-to-track-multiple-credit-cards): Keeping balances, due dates, and deadlines straight across several cards.
- [Credit cards](https://cardinate.app/cards): Per-card reference pages with intro-APR terms, fees, and rates.

## Blog

- [The $150 Annual Fee That Snuck Up On Me](https://cardinate.app/blog/forgot-credit-card-annual-fee): First-person account of being charged a forgotten $150 Amex Delta Gold annual fee. Answers whether an annual fee can be refunded (often yes, commonly within about 30 days of it posting), how to avoid one without closing the card (downgrade to a no-fee version, or ask for a retention offer), and how to catch fees before they hit.
- [Journal index](https://cardinate.app/blog): All Cardinate posts.