Features
Built for people who actually use their benefits.
Every screen below is the real app — live data, real cards, no mockups.
Money expires monthly. Catch it.
Your live feed of every active credit — hotel, dining, rideshare — ranked by what expires next. Log usage in two taps.
Every fee, measured against what you got back.
Captured value versus annual fee, welcome-bonus progress, and every benefit — per card, at a glance. Know which cards earn their keep.
The $1,200 bonus you're 67% away from losing.
Miss the minimum spend by a dollar and the whole bonus is gone. Creddy fills the ring in real time and pings you 14 days before the deadline.
Know every benefit's clock.
Each credit shows exactly how much is left and how many days you have. Swipe to mark used.
Don't lose $200 next Tuesday.
Quarterly hotel credits, monthly dining stipends, semi-annual Uber cash — Creddy counts down every reset window and reminds you before money evaporates.
149 cards. 2,400 benefits.
Browse the full catalog by category or issuer, and see which card should be next in your wallet.
Questions, answered.
Which cards does Creddy support?
149+ US cards across American Express, Chase, Citi, Capital One, US Bank, Bank of America, Barclays, Discover, Wells Fargo and Bilt — with every trackable credit, multiplier, and perk catalogued. New cards are added monthly.
Does Creddy connect to my bank?
No. Creddy never asks for bank logins or card numbers. You pick your cards, Creddy tracks the benefits — private by design.
How do reminders work?
Creddy counts down every reset window and nudges you before money evaporates — 7 and 1 days out for monthly credits, up to 90 days out for annual ones, tuned per benefit.
Is Creddy affiliated with the card issuers?
No. Creddy is an independent tool and is not affiliated with American Express, Chase, Citi, or any card issuer.