Recoup: Card Credits

Your credit cards give away money every month — a dining credit here, a travel credit there, an airline fee credit you meant to use in March. Miss them and the annual fee stops paying for itself. Recoup keeps the whole list in one place and tells you what's about to expire. DON'T LOSE THESE The dashboard leads with what expires in the next 14 days and what it's worth. Credits are grouped by urgency, checked off with one tap, and partial amounts are logged as you spend them. Every card shows how much of its annual fee you've earned back so far this year. WHICH CARD? At the register, open one tab and see the best card in your own wallet for dining, groceries, travel, flights, hotels, gas and more — with the full ranking behind it, so you can apply your own judgment about what your points are worth. REMINDERS THAT KNOW WHEN TO STOP Pick how far ahead you want warning — three months down to one day. Reminders arrive at 10:00 AM and go silent the moment you check a credit off. Long-range reminders apply only to credits with long periods, so a monthly credit never nags you in advance. 200+ CARDS, ALREADY FILLED IN Pick your card and its credits, amounts and reset dates are already there — from 17 issuers, checked against published issuer terms. Calendar-year and cardmember-anniversary resets are tracked separately, because getting that wrong is how a credit gets missed. Not in the list? Add it by hand. FOUND A MISTAKE? Card terms change constantly. Report a wrong amount or date from inside the app; corrections ship in the next update and fix it for everyone. NOTHING LEAVES YOUR PHONE No account. No bank connection. No analytics, ads or tracking. Recoup never asks for a card number, login or account access, and makes no network requests of its own. Your data is backed up with your iPhone and restores itself on a new one. Export a copy any time. — Recoup is an independent app and is not affiliated with, endorsed by, sponsored by or approved by American Express, Chase, Citi, Capital One or any other card issuer. Card and product names are the trademarks of their respective owners and are used only to identify the cards you tell the app you carry. Benefit amounts, categories, earning rates and reset dates are compiled from published issuer terms and may be incomplete or out of date. Nothing in this app is financial advice. Confirm anything that matters with your issuer before you rely on it.