Private credit card coach for iPhone and iPad

Know which card to use. Know which card to pay.

IntelliCard turns your balances, due dates, utilization, and interest risk into a clear next move, without asking for your bank login.

Get launch access See how it works

No bank login. No Plaid or Flinks. Your card data stays under your control.

IntelliCard Home screen showing available credit, utilization, the next due date, and the card recommendation tool
No bank loginYour credentials are never requested
Privacy firstNo advertising or cross-app tracking
Works offlineCore guidance stays available
Canadian-builtDesigned for Canada and the US
The problem

Credit cards get complicated. Your next move should not.

Multiple cards create multiple balances, dates, limits, and decisions. IntelliCard brings the details together and turns them into a calmer daily routine.

01

Too many cards

See every balance, limit, due date, and status in one organized view.

02

Which card?

Get one clear recommendation for the next purchase, with a reason you can understand.

03

What to pay?

See which card deserves attention first when your payment budget is limited.

04

High utilization

Understand how each balance compares with its limit before important dates.

05

Hidden interest

Make the estimated cost of carrying balances easier to see and prioritize.

How it works

Three steps to a clearer card routine.

You stay in control of the information. IntelliCard helps turn it into practical guidance.

Step one

Add your cards

Enter the essentials yourself or import a supported PDF statement. Review every detail before saving.

Balances and limitsStatement and due datesAPR and minimum due
Step two

See what needs attention

IntelliCard considers the details that can change the right next move.

Utilization and available creditStatement and payment timingInterest risk and balance freshness
Step three

Follow your next move

Open the app and get a simple plan instead of another dashboard to decode.

Which card to useWhich card to pay firstHow much and by when
Product tour

See IntelliCard in action.

From the daily recommendation to payment planning, each screen is designed to answer a real card-management question.

IntelliCard Home dashboard with available credit, utilization, next due date, and spend recommendation controls Home dashboard

Your card picture, at a glance

See the best move, upcoming dates, and cards needing attention.

IntelliCard recommendation screen selecting Apple Card for a planned purchase Recommendation

Use the right card next

Get a clear recommendation with a plain-language reason.

IntelliCard recommendation details showing utilization impact, due date, and safe spend remaining Recommendation details

See why a card is the first choice

Review utilization impact, due timing, and safe spending room before acting.

IntelliCard Cards screen showing total balance, portfolio utilization, and individual card details Card portfolio

Every card, organized

Keep balances, due dates, statement dates, and utilization together.

IntelliCard card detail screen showing available credit, statement date, due date, balance, utilization, target, and APR Card details and import

Keep the details that matter current

Review dates, balances, utilization, and APR or import the latest supported statement.

IntelliCard Interest screen showing monthly interest, trend, average APR, and recorded cards Interest trend

See what interest is costing you

Track confirmed interest over time and see whether the trend is improving.

IntelliCard Interest screen comparing interest by card and linking to the payoff planner Interest priorities

Know which balance needs attention

Compare carried-balance interest and open the payoff planner from one view.

IntelliCard payment impact screen showing which card to pay first and estimated next-cycle interest reduction Payment impact

Put an extra payment where it may help most

Compare eligible cards and understand the estimated next-cycle impact.

IntelliCard Insights screen showing balance progress and utilization goal status Utilization insights

Track progress toward your target

See portfolio balance movement and whether utilization is at or below your chosen target.

Real IntelliCard product screens shown with sample demonstration data.

Benefits

Better decisions, less card stress.

IntelliCard helps make the information you already have easier to act on.

One clear next move

Stop rebuilding the plan in your head.

Open IntelliCard and see the card or payment that deserves your attention today.

Reduce avoidable interest pressure

Understand which carried balances may be costing you most.

Build healthier utilization habits

See where balances sit relative to limits before key dates.

Keep every card organized

Bring dates, balances, limits, APR, and payment status into one calm view.

Feel more in control

Replace scattered notes and mental math with a repeatable routine.

Feature highlights

Practical tools for every card in your wallet.

Focused features help you make the next decision, keep details fresh, and understand the tradeoffs.

01

Daily card guidance

See which active card is the clearest fit for your next purchase.

02

Payment priorities

Turn a payment budget into a focused order of action across your cards.

03

Utilization planning

Understand how balances compare with limits and what a payment may change.

04

Interest visibility

See estimated carrying pressure and identify balances worth reviewing first.

05

Local reminders

Keep statement dates, due dates, and stale balance updates on your radar.

06

Statement import

Bring in supported text-based PDF details and confirm them before saving.

Clear recommendations

Why IntelliCard recommends a card.

The right choice can change as balances and dates change. IntelliCard considers the details that matter, then explains the recommendation in plain language.

Recommendation detail screen explaining utilization impact, due date, and safe spend remaining
Credit utilizationHow much of each card's limit is in use.
Statement timingWhen a balance may be reported.
Due datesWhich payment obligations are approaching.
Interest riskWhere carrying a balance may cost more.
Available creditWhether a card has comfortable room.
Payment timingWhen a payment may have practical impact.
Privacy first

Your cards are your business.

Get useful guidance without handing a third party the keys to your financial accounts. Add only the details you choose. Optional encrypted iCloud backup stays off until you enable it.

Read the plain-language privacy policy →
No bank credentialsIntelliCard never asks for your bank username, password, PIN, CVV, or full card number.
No account linkingNo Plaid, Flinks, Yodlee, or similar financial-data aggregator.
No data saleYour personal or financial information is not sold or rented.
No ad trackingNo advertising SDKs, behavioral analytics, or cross-app tracking.
Core data stays localCard details and planning information are stored on your device.
You choose backupOptional encrypted iCloud backup is available only after you turn it on.
Compare your options

A clearer alternative to spreadsheets and bank-linked apps.

IntelliCard is purpose-built for card decisions, without requiring access to your financial accounts.

Capability IntelliCard Spreadsheet Budget apps Traditional finance apps
Which card to use Yes Manual Rarely Varies
Which card to pay first Yes Manual Varies Varies
Utilization guidance Yes Build it yourself Limited Varies
Due-date management Yes Manual Often Often
Interest visibility Yes Build it yourself Varies Varies
No bank login required Yes Yes Not always Not always
Core offline support Yes Yes Limited Limited
Free and Pro

Start free. Go deeper when you need to.

Build the daily habit first, then unlock more planning across your full card picture.

Start here

IntelliCard Free

The essentials for clearer day-to-day card decisions.

  • Card recommendations
  • Core card tracking
  • Balance nudges and reminders
  • Single-card interest tracking
  • Upcoming payment and card-health views
Start free
Deeper planning

IntelliCard Pro

Advanced tools for people managing a more complicated card picture.

  • Smart Payment Planner and custom schedules
  • Supported PDF statement import
  • Portfolio interest and utilization insights
  • Multi-card analytics and advanced analysis
  • Home Screen and Lock Screen widgets
  • Budget planning and savings summaries
Explore Pro

Feature availability and App Store pricing may vary by region and release version.

Trust, earned

Real reviews belong here, not invented ones.

Verified App Store feedback will be added after launch. Until then, IntelliCard earns trust through transparent product previews, clear limitations, and a privacy policy you can actually read.

App Store reviews coming after launch.

Show the verified rating, review count, country, and short excerpts only when real customers have published them.

Share product feedback →
Transparent by defaultSample data is labeled and financial estimates are not presented as guarantees.
Support you can reachEmail support@intellicard.org with product or privacy questions.
Built for Apple devicesDesigned for iPhone and iPad, with optional Face ID and iCloud backup.
Frequently asked

Questions before you download?

Does IntelliCard connect to my bank?
No. IntelliCard does not ask for your bank credentials and does not use account-linking services such as Plaid or Flinks. You enter card details yourself or import supported PDF statement details for review.
Where is my card data stored?
Core card and planning data is stored on your device. Optional encrypted iCloud backup is off until you choose to enable it. Read the privacy policy for the full explanation.
How does IntelliCard choose which card to recommend?
It considers the card details you provide, including utilization, statement timing, due dates, interest risk, available credit, payment timing, and how recently balances were updated. Recommendations are informational and should be checked against your issuer's current information.
Can IntelliCard improve my credit score?
No app can promise a score increase. IntelliCard can help you understand utilization, stay organized, and build more consistent card-management habits. Credit scores are determined by credit bureaus using many factors.
Can I import a statement or scan a receipt?
IntelliCard Pro can read supported text-based PDF statements on your device and lets you verify the details before saving. It does not currently scan receipt photos, use camera OCR, or import line-item transaction history.
Does IntelliCard work offline?
Core card tracking, recommendations, planning, and local reminders are designed to work without a continuous internet connection. Purchases and optional Apple services may require connectivity.
What is included in Pro?
Pro adds deeper planning such as supported PDF statement import, portfolio-wide interest and utilization views, multi-card analytics, advanced payment planning, widgets, and other premium tools. The live App Store listing and in-app paywall are the source of truth for current availability and regional pricing.
Is IntelliCard financial advice?
No. IntelliCard provides educational guidance, estimates, organization tools, and reminders. Always verify balances, dates, rates, and payment obligations with your card issuer.

Make your next card move with confidence.

Know what to use, what to pay, and what needs attention, without linking your bank.

Get launch access
App Store link coming at launch
Get IntelliCard