Your monthly card review, already sorted.
See expiring credits, captured value, renewal risk, and iOS reminders in one private ledger. No bank connection required.
Review
Start with what is still at risk.
kardfolio turns scattered premium-card perks into one monthly check: remaining credits, deadlines, and renewal math before value disappears.
Credits still available this period, grouped by card and reset cycle.
Monthly and quarterly credits surface before they quietly reset.
Captured value compared with annual fee, ready when renewal season shows up.
Act
One review ritual, three useful decisions.
The page inside kardfolio is not another finance dashboard. It is a private checklist for the cardholder routine: import, use, and decide.
Import
Bring the sheet, or skip it.
Start from a wallet CSV or pick from the card catalog. Airline choices, reset dates, and benefit quirks stay visible.
Act
Use the credits that need attention.
The task hub keeps monthly, quarterly, and anniversary benefits sorted by what deserves action now.
Decide
Know what each annual fee earned.
Captured value rolls into renewal review, so keep, downgrade, or cancel decisions do not depend on memory.
Private by design, not by promise.
Most credit card tools require bank connections through services like Plaid. We take a fundamentally different approach.
Require bank login credentials
Access all your transaction history
Share data with third-party aggregators
Store sensitive financial credentials
No bank logins, ever
No access to your transactions
No Plaid, no third-party data sharing
You control your data, delete anytime
Add cards manually or import from a spreadsheet. We track benefits, not your spending.
Common questions
Start the next monthly review with your real cards.
Add a card, import a CSV wallet, then let kardfolio keep the reset dates and annual fees in view.
No bank logins. No Plaid. Your credentials stay yours.