iOS Credit Card Optimizer

Know exactly which card to use right now.

No bank login needed. IntelliCard tells you which card to pull out, shows what carrying a balance really costs you per month, nudges you before payments slip to protect your score, and puts it all on your home screen widget — your data stays on your phone.

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Best card to use
Chase Sapphire Reserve
Chase Bank
$340
safe to spend
$1,200
available
Best card · Updated 2:30 PM
Amex Gold Card Due in 4 days
Citi Double Cash 28% util
💳
Chase Sapphire
Chase Bank
$340
safe to spend
$1,200
available
What IntelliCard does
Optimize your cards, not just track them.

Eight core capabilities that work together to keep your credit healthy and your spending smart. Your data stays on your phone — no bank login needed.

🎯
Which card to use right now
Enter any purchase amount and IntelliCard ranks every card by utilization impact, days until statement, and due date proximity — then picks the winner.
📱
iOS Home Screen Widget
Glanceable widget shows the best card, safe-to-spend headroom, and available credit. Supports lock screen and StandBy. Sensitive data redacts automatically.
🩺
Card health at a glance
Every card gets a clear status — healthy, watch, or critical — based on utilization. See your whole portfolio in one view so nothing sneaks up on you.
💰
Carrying this costs you ~$X/month
IntelliCard estimates what each balance costs you per month in interest, so you know which balances to pay down first. No guessing — just the number.
🔄
30-second balance check
When balances go stale, a quick nudge lets you confirm or update each card in seconds. A weekly reminder keeps your data fresh so recommendations stay accurate.
📅
Pay before it costs you
See every due date in one place with countdowns. Pay before the deadline to protect your score — get notified before payments slip.
🧾
Snap receipts, skip the typing
Point your camera at a receipt and the details fill in. OCR runs locally using Apple Vision — your images never leave your phone. No bank login needed.
📊
Utilization Planner
Set a target utilization (e.g. 30%) and IntelliCard calculates exactly how much to pay before your statement closes to hit that target.
iOS Widget
Your best card, always one glance away.

The IntelliCard widget lives on your home screen or lock screen. It always shows both your safe-to-spend headroom and your full available credit — so you know not just that you can spend, but how much before hitting your utilization target.

✓
Safe to spend — the amount you can charge without exceeding your utilization target
✓
Available credit — your full remaining credit limit for context
✓
Privacy-aware — amounts and card name auto-redact on the lock screen based on your iOS privacy settings
Home Screen  ·  systemMedium
💳
Chase Sapphire Reserve
Chase Bank
✓ Best card
$340
Safe to spend
$1,200
Available
🕐 Updated 2:30 PM
✓ Best card
2:30
Wednesday, March 12
💳 Chase Sapphire Reserve
$340
Safe to spend
$1,200
Available
Lock Screen · accessoryRectangular
Privacy first
Your data stays on your phone.

No bank login needed. You can stay on a guest profile or secure access with a local password or Sign in with Apple — your card data, interest estimates, card health status, and recommendations never leave your device.

Read the full privacy policy →
🔒
Encrypted local storage
Persisted app data is encrypted before storage, and local passwords and recovery answers are stored as salted hashes.
📷
On-device processing
Receipt OCR, statement import, interest estimates, card health, and balance nudges all run locally. Nothing is uploaded to an IntelliCard server.
🪪
Biometric app lock
Protect the app with Face ID or your passcode. Widget data auto-redacts on the lock screen when you enable iOS widget privacy.
🚫
No ads, no bank login, no data sales
We do not use ad SDKs, require bank credentials, or sell personal data. Limited technical diagnostics may be sent to Sentry when enabled for a release.

Know which card to use right now.

Your data stays on your phone. No bank login needed. See what your cards really cost and which one to use right now.

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