Add the cards in your wallet
Choose from supported cards and instantly load their tracked benefits.
YOUR BENEFITS, IN ONE PLACE
Free Credit Card Benefit Tracker
Private, browser-local credit tracking
Keep your credit card benefits organized in one place.
Track your statement credits, calculate your effective annual fee, and see what benefit value you have actually used. Your Free tracker data stays in this browser unless you export it.
Effective annual fee
$0
Add a card to begin tracking.
Cards0
Credits used$0
◆
Credit streak0 monthsComplete active monthly credits to begin.
HOW IT WORKS
Simple enough to use every month.
Choose what matters to you
Deactivate credits you do not plan to use so reminders and scores stay relevant.
See what remains
Track monthly, semiannual, and annual balances without building your own spreadsheet.
YOUR WALLET
Add and manage supported cards.
Each card shows annual-fee recovery, or credit usage for cards with no annual fee.
CREDIT TRACKER
Know exactly what you have used.
Inactive credits remain visible at the bottom but do not affect reminders or scoring.
Your tracker is empty
Add a supported card to begin tracking credits.
MONTHLY CHECKLIST
Everything due in one place.
View active credits for the current month and jump directly to the correct card.
No active credits yet
Add a card or reactivate a credit to build your checklist.
BENEFITS TRACKER
Activate and remember the perks beyond statement credits.
Track memberships, hotel status, anniversary rewards, lounge access, and multi-year application-fee benefits.
No supported benefit cards yet
Add a supported card to begin tracking non-credit benefits.
CUSTOM CARDS
Keep track of value that lives outside your credit-card wallet.
Track a gift card, prepaid card, store card, travel credit, or other balance manually. Netcarda Free includes one Custom Card.
Need another? Plus supports up to 20 Custom Cards.
Add your first Custom Card
Perfect for gift cards, prepaid cards, store balances, and other value you want to remember.
Netcarda Free limit: 1 Custom Card · Netcarda Plus: up to 20WALLET SCORE
A quick view of how well your wallet is working.
The score uses only credits you have chosen to keep active.
No score yet
Add a card with at least one active credit.
SETTINGS & TRUST
Your data, your control.
Netcarda Free stores tracker data locally in this browser. Export a backup before clearing browser or application data.
Backup and restore
Export your full wallet, entries, credit preferences, anniversary dates, and app settings as a password-encrypted Netcarda backup file.
Local storage warning
Clearing browser or app data can erase your history. Keep a backup somewhere you control.
Card opening and renewal dates
Netcarda uses your device clock automatically. Enter the full date each card account was opened so introductory annual-fee periods, annual renewals, anniversary benefits, and multi-year benefits can be calculated accurately.
Reset Netcarda
Permanently erase this device’s wallet, credit history, benefit tracking, card opening dates, and local preferences.
About Netcarda
Built for credit card enthusiasts. Netcarda helps cardholders track the benefits their cards offer. Free stores tracker data in this browser and does not require a bank connection or card number.
ReleaseNetcarda Free v1.29.0
Card data reviewedAugust 2026