Always know which card to use.
Choose the right card, keep an eye on benefits and News & Deals, and ask whether a points or miles booking is worth it. CardPecker keeps the everyday decisions in one place.
iPhone · No account · No bank logins · Worth It arrives with version 1.6.0
The checkout-line question, answered
Dinner out
Tap Dining and see which card's multiplier wins tonight — the answer changes more often than you'd think.
Booking a flight
Airline subcategories tell Delta from United, so the right card wins even when the rule is brand-specific.
Hotel stay
Hyatt or Marriott, points card or credit card — compare the effective return before you book.
Groceries
Quarterly and rotating categories are exactly the thing human memory drops. CardPecker doesn't.
An expiring credit
Benefits shows the dining credit that resets next week — use it on a meal you were buying anyway.
Booking with miles
Enter the cash price, award fees, and miles required. Worth It shows the value you would get per mile.
What CardPecker does
Best card, instantly
Tap any spending category and see which card earns the highest effective return across your whole wallet.
Track every benefit
Benefits tracks travel credits, dining credits, free nights, and recurring perks, auto-refreshing each billing period.
News & Deals together
Switch between card and travel updates and general savings in one tab. Open the original source to check the details.
Receipts, scanned
Point the camera at a paper receipt and CardPecker reads the merchant and total — or attach a photo to any logged purchase.
Worth It for award bookings
Compare the cash saved by a redemption with a dated points or miles estimate. Award taxes and fees count in the math.
Search any supported program
Type a loyalty program name, including one unrelated to your cards, and tap an autocomplete result to select it.
Built for multi-card wallets
Whether you carry 2 cards or 12, subcategories keep brand-specific rules straight.
Backed up, your way
One-tap backup and restore, plus automatic backups to your own iCloud Drive — weekly by default, with Off, Daily, and Monthly options.
A look at CardPecker 1.6.0
Read the release story →
Privacy, plainly
- What's stored: your cards, reward categories, benefits, receipts, and images stay locally on your device.
- Bank credentials: never requested or stored. CardPecker doesn't log in to your accounts and doesn't need your card numbers.
- News & Deals: every user receives the same generic feed. The request does not include your wallet, purchases, or other app data.
- Backups: automatic backups go to your own iCloud Drive and can be turned off; manual backups go wherever you choose in Files.
- What CardPecker doesn't do: no account, no analytics, no advertising identifiers, no data sold or shared.
The full policy is short and readable: CardPecker Privacy Policy.
Frequently asked questions
No. CardPecker never asks for bank credentials and never logs in to your accounts. You add your cards and their reward categories manually — no card numbers needed.
You record each card's earning rates by category. When you tap a category, CardPecker compares the effective return across your cards and shows the winner — including subcategory rules like specific airlines or hotel brands.
Benefits tracks statement credits and recurring perks. News & Deals is a separate feed of card and travel updates and general savings. Deals are not personalized to your cards. Pair Benefits with our benefit-tracking guide.
Your card and receipt data stays on your device. News & Deals downloads a generic feed without sending your wallet or purchases. Optional backups use your own iCloud Drive or the Files location you choose. See the privacy policy for details.
Search for a supported program and tap a suggestion. Enter the points or miles needed, the comparable cash price, and any award taxes or fees. Worth It calculates the cash saved per point and compares it with a dated reference valuation. It can search programs that are not linked to your saved cards. See an example.
No. CardPecker is an organizational tool — it compares the reward rules you enter. It doesn't recommend cards, and nothing on this page is financial, legal, or tax advice.
Go deeper on Cards & Points
All Cards & Points guides →
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Cards & Points
The Beginner's Guide to Credit-Card Rewards
Points, miles, cash back, and a sane starter strategy.
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Cards & Points
How to Track Credit-Card Benefits Before They Expire
A simple inventory-and-sweep system for capturing every credit.
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App Guides
Introducing CardPecker
Why we built a private, local-first answer to "which card?"
Product Update
CardPecker 1.6.0: Is This Redemption Worth It?
The thinking behind the new Worth It tab and the simpler News & Deals navigation.
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AI Coding
How I Built CardPecker With AI
A non-coder’s honest workflow—and the work AI should never be trusted to invent.
Ready to maximize your rewards?
Download CardPecker and always use the right card.
Download on the App StoreCardPecker and the guides on this site are general education and organizational tools, not financial, legal, tax, or investment advice. Card terms change frequently — confirm details with your issuer.