PickCard: Which Card Today

PickCard helps you choose which credit card to use today, keep an eye on bills, and see where your spending went.

WHICH CARD TODAY?
Add each card’s statement day and payment due rule. PickCard compares the time you have to pay for a purchase made today. Set the credit limit and available credit so it can also check that a card has room above your chosen reserve. Open Why this card to see the comparison.

BILLS AND SPENDING
See upcoming statements, due dates, expected subscriptions and loan instalments in the calendar. Record purchases, payments and balances, review Activity and your recap, and track debit accounts and cash in hand. Balances are estimates based on the records you add; update them whenever you need to.

CAPTURE ON YOUR TERMS
Share a bank message with PickCard, pass messages through an automation you set up in Shortcuts, or add entries manually. Review captured entries and teach PickCard a message format. Message formats vary by bank and country; manual entry remains available. PickCard does not connect to your bank account or require a bank login.

ON YOUR IPHONE
Your cards, shared messages and financial records stay on your iPhone. Use the app lock to protect access, choose whether widgets show amounts, and export or erase your local data from Settings. Restoring an Apple purchase restores access, not your financial records on another device.

14 DAYS FREE, THEN ONE PAYMENT
Start the free 14-day trial after setup to use every feature. It lasts 14 full days from the original Apple purchase date. No subscription, automatic renewal or automatic charge. You can choose the separate PickCard Lifetime purchase to unlock every feature with one payment; Apple shows your price before you buy. Family Sharing is not included.

After the trial, your existing cards, loans, leases, balances and history stay readable. Adding or editing records, new message capture and full features require the one-time unlock. Balances remain estimates from saved records; new messages received through sharing or Shortcuts are not stored after expiry. Existing bill and statement reminders, Export, owner-confirmed Erase and app security remain available. Messages saved before expiry are kept. Restore purchases is available on the unlock screen and in Settings > PickCard Plus. Reinstalling or erasing local data does not restart the same Apple Account trial.