Credit cards are important to consumers in today’s economy. They’re a convenient way of paying for both in-store and online purchases, and they generally carry great fraud protection. A well-managed credit card is a fantastic way to raise a credit score, which is vital to a consumer’s long-term financial health.
But managing more than one credit card every month can get confusing. You can use a tracking app to keep up with monthly payments and manage credit card spending. Credit card tracker apps vary with their functions. Some monitor payment dates to keep a user on time with their bills, while others focus more on rewards.
The best apps, however, will not require much of a user’s time. They should be quick, convenient, and useful. There are many free apps that can deliver the services you want. Below are some of the top apps to help you manage your credit cards on one platform.
Top Credit Card Tracker Apps
TPG To Go App

TPG To Go is a free credit card tracker app available on Apple and Android devices. It takes the guesswork out of which credit card to use to pay for a purchase.
The apps look at the businesses near the consumer’s location and determines which card will give them the most bang for the buck with their purchase.
For example, if a consumer is going to dine out and has a cash-back card that offers bonus points for restaurant purchases, the app will recommend using that card. It’s up-to-date on the latest points reward offerings from the major credit cards a consumer would likely carry.
To help a consumer avoid overspending and drawing fees for passing their limit, it will show the total credit limit of their card.
However, consumers may want to be wary of the TPG Hot Deals feature, which allows the TPG site to make money off of affiliate links. Before signing up for a credit card recommendation through this feature, users should research the cards to ensure it’s a good fit.
Spending Tracker App

This free credit card tracker app features an intuitive user interface, so even those who aren’t tech savvy can figure it out.
Users decide whether to track their spending on a weekly, monthly, or yearly basis. That can help them keep track of short-term goals, while not losing sight of the bigger picture.
Users set their budget goals so they can ramp up their savings to reach their goal. With the charts, you can see at a glance where your money is going, but only if you take the time to log each expenditure into the app. It’s easy to do, but it can be time-consuming.
Spending Tracker does not feature as many tools as other apps, but it does cover the basics. The paid version offers users more features. The app is available through iPhone, iPad, Android, and Windows 8.
Mint App
This app has soared in popularity in recent years, and with good reason. Mint allows users to manage their money with less fuss. It’s free to use and easy to set up.

In just a few minutes, users will be ready to link their credit card accounts, loans, and bank accounts. Mint shines with its useful charts that help the user see the broad picture of their budgeting and finances.
With Mint, users can set up alerts that will notify them when they have exceeded their budget in various categories, which is a great way to avoid overspending.
Users can establish goals, schedule payments, and review their investments all in one place. Mint is a solid tool for beginners who need to get ahold of their spending and set attainable goals.
It does fall short when it comes to overall net worth tracking and retirement planning. But for credit card management it’s a good pick. It can help eliminate overspending, which is one of the main purposes of a good credit card app.
It uses a two-factor authentication for added security. Mint is available on iOS, Android, and Windows 8 devices.
Bill Tracker App

Bill Tracker is a free credit card trackier app for iPhones.
It helps users avoid late payments that may lead to a higher APR on their credit cards. They receive an alert when a bill so they can stay ahead of payments.
In one of its best perks, Bill Tracker stores bills and payments so users can export that information to other apps or spreadsheets like Excel.
One major drawback to this app is that it’s clunky to use. Users will have to go through a lot of keyboard strokes and taps for the functions.
While it’s not a bad app, there are others that provide similar services and take less time to navigate.
Credit Card Manager App
With Credit Card Manager, users can make a note of and store their transactions, as well as mark payments on their iOS device. In fact, consumer can keep track of all the information they need about their credit cards.
For users carrying a balance, Credit Card Manager can also help prioritize where to send extra money for their payments. It will show users which card of theirs has the lengthiest interest-free time period.

This app can work offline, which is great for people worried about the security of their information, or for those who want to access their information whether they’re getting an internet signal or not.
One of the biggest drawbacks of this app is that users have to enter everything manually. Although it’s easy to use, it can still be a bit time-consuming.