Tracked on their real reset cycle
Track monthly, quarterly, semiannual, annual, anniversary and statement-cycle windows. Confirm enrollment, qualifying purchases and per-use limits before recording a credit.
FOURTEENERLABS
CardsworthAvailable for macOS
Your perks, organized.
Cardsworth is the private, on-device command center for credit-card credits, fees, points, and churning. No bank logins, no account, no sync to break — built for the whole household.
Inside Cardsworth
The whole wallet. One app.
01 / 05
What it does
Every credit, every fee, every point — before it lapses.
Premium cards have quietly become coupon books: monthly Uber credits, quarterly shopping credits, annual travel credits, and fees that arrive without warning. Cardsworth tracks the value your cards already owe you — and reminds you to use it.
Keep, downgrade, or cancel — on time
A verdict on every card weighing the value you actually capture against the fee, with issuer-specific deadline guidance and a clear prompt when you need to verify the policy.
Never miss a minimum spend
Every bonus tracked with the daily pace you need to finish in time — across every card and every person in the household.
Know what your points are worth
Balances across every program, valued at your own editable cents-per-point, with award redemptions graded so you know a great deal from a mediocre one.
Churn with a clear head
5/24 status, issuer application rules, and a timeline showing when each card ages off — so your next application is the right one.
The deadlines come to you
On-device notifications before credits and fees hit, a menu bar checklist, six desktop widgets, and calendar export — all generated on your Mac.
How it works · Three simple habits
Built for the desk, not the checkout line.
Add your cards. Mark credits as you use them. Let it remind you.
01 / Set up
Add your cards
Pick from 146 US cards with fees, credits, and earn rates already filled in, or create a custom one. Check each benefit’s issuer source and review date; catalog corrections arrive with free app updates. Assign each to a person in the household.
02 / Everyday use
Mark credits as you use them
One click from the card, the menu bar, ⌘K, or a desktop widget. Confirm eligibility, then record what you used. Personal values help ROI and fee decisions reflect the benefits you actually value.
03 / Over time
Let it remind you
Notifications before things expire, a keep-or-cancel call before every fee, and trends that build themselves. Nothing slips through.
14-day trial · No subscription
Try everything. Unlock once.
Free trial
Every feature free for 14 days.
- All features during your 14-day trial
- Set up your household and cards
- Track credits, fees, and points
- Your data remains browsable and exportable after the trial
Lifetime
A one-time unlock. No subscription.
- Keep using every feature after the trial
- Local storage on your Mac
- Multiple people and business entities
- No bank logins or account required
Privacy · Not negotiable
Your data stays on your Mac .
Every competitor wants your bank login. Cardsworth takes the opposite approach: 100% manual, 100% on-device. There's no server to breach, no login to expire, and no sync to break — because there isn't one.
Cardsworth offers an optional Touch ID or Mac-password app lock. Saved card numbers and expiration dates stay in your Mac’s Keychain and require authentication to reveal; no CVV is stored. The local database and JSON backups are not encrypted by the app — use FileVault and your Mac login to protect them.
- No bank logins, ever — nothing to breach, and it works entirely offline
- 100% local storage — no account, no server, no analytics
- Built for the household — multiple people, authorized users, business entities
- Export anytime — XLSX, CSV, JSON, or a calendar feed of your deadlines
- Never held hostage — if you never buy, your data stays browsable and exportable, free, forever
Cardsworth · A Fourteener Labs app
Use what your cards already give you.
Free to download, with every feature free for 14 days. Set up your wallet in minutes and stop leaving credits on the table.