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Cardinate icon

Cardinate

Credit card tracker and debt payoff planner. See every card's balance, utilization, APR, due date and 0% intro APR deadline in one place, and get a dated plan to pay it all off.

Landing page

Cost / License

  • Freemium (Subscription)
  • Proprietary

Application type

Platforms

  • Online
Dashboard
Cards and accounts screen
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Transactions
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Features

Properties

  1.  Privacy focused

Features

  1.  Cloud Sync
  2.  Ad-free
  3.  Dark Mode
  4.  Goal Tracking
  5.  Bank integration

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Cardinate information

  • Developed by

    US flagCardinate

  • Licensing

    Proprietary and Freemium product.

  • Pricing

    Subscription ranging between $10 and $13 per month + free version with limited functionality.

  • Alternatives

    51 alternatives listed

  • Badge

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  • Supported Languages

    • English
Cardinate was added to AlternativeTo by nasral00 on and this page was last updated .

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What is Cardinate?

Cardinate is built for people juggling several credit cards. Instead of whole-life budgeting, it focuses on what matters for credit card debt: each card's balance, limit, utilization, APR and due date, plus reminders before a 0% intro APR ends or an annual fee posts.

Enter your balances and Cardinate builds a month-by-month payoff plan using avalanche, snowball or promo-first. It shows the date you'll be debt-free and the monthly payment needed to clear each 0% promo before interest starts.

Add cards by hand for free, or connect them read-only through Plaid on Pro. The free plan covers unlimited manual cards, due dates, utilization and 0% deadline alerts. Pro is $12.99/month or $129/year and adds automatic bank sync, payoff strategy comparison and full history. Cardinate makes money from subscriptions only and never sells your data. US only.