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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.
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.
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.
Monthly, quarterly, semiannual, annual, or anniversary — every credit gets a live countdown, so no Saks, Uber, dining, or travel credit quietly expires.
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.
Every bonus tracked with the daily pace you need to finish in time — across every card and every person in the household.
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.
5/24 status, issuer application rules, and a timeline showing when each card ages off — so your next application is the right one.
On-device notifications before credits and fees hit, a menu bar checklist, six desktop widgets, and calendar export — all generated on your Mac.
Pick from a catalog of 118 US cards with fees, credits, and earn rates already filled in — or create a custom one. Assign each to a person in the household.
One click from the card, the menu bar, ⌘K, or a desktop widget. Cardsworth does the math forever — capture rate, ROI, and fee verdicts stay current.
Notifications before things expire, a keep-or-cancel call before every fee, and trends that build themselves. Nothing slips through.
Six premium cards, forty credits. Stop tracking them in a spreadsheet you forget to open.
Two players, authorized users, business cards — everyone's perks in one place, kept cleanly separate.
5/24, minimum-spend pace, retention offers, application timing — the whole game on your desktop.
You'd never hand a bank login to an aggregator. Cardsworth never asks for one.
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's local database and JSON backups are not encrypted by the app and there is no in-app lock in version 1.0. Use FileVault and your Mac login to protect this data.
Free to download, with every feature free for 14 days. Set up your wallet in minutes and stop leaving credits on the table.