SwipeThisCard

The idea

Same purchase. Two days apart. Twenty-eight days of difference.

Float is the stretch between the day you buy something and the day the statement carrying it comes due — the time you legitimately hold your own money before the issuer wants it back. Buy just before a statement closes and you get the short end. Buy the day after, and the charge falls onto next month's statement instead.

Days of float buying the day before the statement closes.

Days of float buying the day after — the same purchase, same card.

+28

Days you keep the money, for waiting forty-eight hours.

Worked on a card that closes on the 28th and is due 25 days later. Your own dates give your own numbers — which is exactly why the app does the counting instead of teaching you a rule of thumb.

How it works

Three facts per card. That is the whole setup.

No bank connection, no account to create, no permission to grant. You read two dates off a statement you already have.

Pick the card

Search the built-in catalog and the static facts fill themselves in — network, reward type, annual fee. Not in the catalog? Type it yourself; it works the same.

Type two dates

The day your statement closes and the day payment is due, straight off the statement. Plus the last four digits, so you can tell two cards apart.

Check it before you pay

Open the app at the register and the top card is the answer for today. Tomorrow the order may change — that is the point.

What you get

Six screens. Two questions your wallet can finally answer.

Today

One card on top, with its float count and why it won. Runners-up underneath in order, each with its own number, so you can see how close the call was.

Month

Every closing day and due day in your wallet on one calendar. The clusters you never noticed become obvious, and so do the weeks where nothing is due at all.

Purchase Planner

For the ones that are worth waiting on. Name the day you want it bought by — and what you are buying, if that changes the answer — and the app works the other direction: which card, which window of days, and how many interest-free days each combination buys you, including how much longer you hold the money by starting tomorrow instead of today.

It never tells you to buy anything. It tells you what the calendar does if you do.

The Purchase Planner. It is set to by this date with a purchase date of September 30, 2026, the personal segment, the Travel category, and the condition through Chase Travel. The top result is the Chase Sapphire Preferred ending 8095: swipe September 20 to 30, 2026, five times points at Travel, because you said through Chase Travel.

Cards

Every card named the same way everywhere: issuer, card name, last four digits. No guessing which "Chase one" you meant when two of them sit in the same wallet.

Benefits

Sorted by benefit, not by card. Open foreign transaction fee and see which of your cards charges one, which does not, and which ones the issuer never published a number for. See how it reads →

Learn

Short, plain pieces on the machinery itself — what float actually is, why the closing date and the due date are not the same thing, what a store card’s deferred interest really costs if you miss the end of it. Written for people who carry cards, not for people who enjoy spreadsheets.

The app picks what to put in front of you from what is already in your wallet. Nothing to sign up for, nothing that phones home.

Every screen below is an unretouched screenshot from a real wallet. Card names and last four digits are the owner’s own.

The Today screen with the Gas category selected and the condition at a Costco filling station. The top card is the Costco Anywhere Visa Business Card by Citi, five percent cash back at gas, forty-six days of float, closing October 3 and payable by October 28. — **Today, after a tap on Gas**Say what you are about to buy and the ranking re-sorts. One extra condition — at a Costco filling station — puts a different card on top, and the app says why.

The Cards screen listing ten personal cards sorted by due date, with a banner reading four cards close on the 3rd. Each row carries its issuer, card name, last four digits and small labels such as one percent cash back, fee in December, and auto-pay. — **Cards**The whole wallet in due-date order, with the pile-ups called out at the top. Four of these close on the 3rd, which is the kind of thing nobody notices until the statements land together.

The Learn screen. A suggested-for-you article on deferred interest and store cards sits above a list called the basics: what float actually is, cut-off and due date are not the same thing, the day-after trick, and statement balance versus current balance. — **Learn**Short pieces on the machinery, and the one it thinks you need next. Here it leads with deferred interest, because a store card is sitting in the wallet.

Perks & benefits

Float tells you when. Perks tell you which.

Rental car coverage, no foreign transaction fee, cell phone protection, a lounge you forgot you had — you are paying for these whether you use them or not, and they are scattered across four different issuer websites. The Benefits screen turns the wallet inside out: the benefit is the heading, and your own cards are the answer underneath it.

Four honest answers, not two

A benefit is not a yes-or-no per card. It is four different sentences, and three of them only mean anything if the app says them out loud.

No fee

You confirmed a zero on that card. Safe, and we stand behind it.

Charges a fee

You confirmed a number, and the number is shown with it. No rounding, no "some cards may".

Not published

The issuer page we cite says nothing about this one. That is not the same as free — and this screen refuses to let silence read as good news.

Not connected

The card is not linked to a product yet, so we know nothing either way. Pick its product and it moves out of here.

Around 280 card products ship inside the app, each carrying the issuer page it was read from and the date it was read. When something goes stale, the app tells you it is stale instead of guessing.

The Benefits screen. A header reads nineteen cards, nineteen connected to a product. Below it, Foreign transaction fee shows eleven cards with no fee, and Annual fee shows twelve cards with no fee.

The Benefits screen with Annual fee opened. A blue check heading reads no fee, twelve cards, each listed at zero dollars. An amber heading below reads charges a fee, five cards, beginning with American Express Business Gold at three hundred seventy-five dollars.

The Benefits screen in a nineteen-card wallet: the tally first, then one benefit opened to name every card underneath it — with the fee each one charges, in dollars.

Privacy

No accounts. No tracking. Nothing about you ever reaches us.

This is not a posture, it is the architecture. There is no server to hold your data, so there is nothing to breach, subpoena, sell, or quietly change our minds about in two years.

No card numbers, ever

There is no field for a full card number, a CVV, or a PIN — not hidden, not optional, not encrypted somewhere. Last four digits only, so you can tell your own cards apart.

No bank connection

No login, no aggregator, no read-only link. The app cannot see your transactions because it was never given a way to.

No balances

No screen shows what you owe and no field stores it. The app does calendar arithmetic; it has no business knowing your balance and does not ask.

Your iCloud, not our cloud

If you want your cards on two devices, they travel through your own iCloud account under your own Apple Account. We are not a party to it and cannot read it.

One network call, and you can see it

The card catalog checks for updated card facts — a signed, read-only file, the same for everybody. It sends nothing about you, and you can switch it off.

Support goes through your own Mail app

Tap Contact support and the app hands a written message to Mail. You press send. Nothing is transmitted by us, and there is no help-desk vendor in between.

Pricing

Two cards free, forever. Pay only when your wallet is bigger.

Most people find out whether this changes anything with two cards. If it does, the rest of the wallet is one purchase away — and one of the ways to buy it never renews.

Free

$0two cards

Today, Month and Cards in full
The same float engine — nothing is dumbed down
No ads, no trial countdown, no nagging

Unlimited Cards

Best value · Save 44%

$19.99a year

Or monthly$2.99 / mo

Every card in your wallet, however many that is
Purchase Planner for the big ones
Sync across your devices through your own iCloud
Stop any time — your cards stay, nothing is deleted

Or once, for good

Pay once and never renew. Same features, no subscription, no expiry — for people who would rather be done with it.

$49.99

When, and on what

Planned for early 2027.

Late February is what we are building toward, on the App Store. Free and Unlimited Cards arrive on the same day — no early-access tier, no half-built version in between, and no countdown running in the app once it ships.

iPhoneThe whole app, on day one.
iPadYour same wallet from day one, carried over by your own iCloud. A layout drawn for the bigger screen follows in a free update.
Apple WatchToday’s card on your watch face, at a glance — a complication in a free update after launch, with the full watch app behind it.

Every device, every tier. Free gets all of it; none of it is an add-on.

Do I need to connect my bank?

No. You type two dates off a statement you already have. The app has no login screen for a bank and no way to reach one.

Is this a way to borrow money cheaply?

The opposite. Float only exists while you pay your statement in full and on time — carry a balance and interest starts from the purchase date, and the whole idea evaporates.

This app is for people who already pay in full and would rather do it on the latest date the issuer allows.

Does it tell me what to buy?

Never. It has no opinion about your spending and no idea what you spend. You decide to buy something; the app tells you which card gives you the most days on it, and when.

Where do the perks come from?

From the issuer's own published page for that card product, read and recorded with the date it was read. Around 280 products ship with the app, so most cards fill themselves in the moment you pick them.

If the issuer never published something, the app says not published rather than guessing. And anything you confirm yourself always wins over the catalog.

What if my issuer changes a date?

Change it in the app and every number updates. Because there is no bank connection, the app cannot find out on its own — which is why the statement is always the authority, and the app says so.

Be early

Two ways in, before everyone else.

One is for people who want to put their strangest card in front of it and see what breaks. The other is for people who just want to know the morning it lands.

TestFlight

Join the beta

Invitations go out in waves through Apple’s TestFlight ahead of launch. You run the real app on your own cards, and we get the one thing we cannot build ourselves: a billing cycle nobody here thought of. Bring the card whose dates make no sense.

Ask for a beta seat →

Tell us which issuers you carry and which country you are in — that is what sets the order of the waves.

App Store

Tell me when it ships

No beta build, no questions, nothing to test. One email on the day SwipeThisCard goes live on the App Store, with the link and the price you already read on this page. Then nothing else, ever.

Email me on launch day →

One message on one day. Nothing before it, nothing after it.

Where the address goes: onto a plain list we keep ourselves, used only to send the thing you asked for. It is never sold, never handed to an advertising or analytics company, and never used to work out anything else about you. Ask us to drop it and it is gone the same day. The app itself still asks you for nothing — no account, no email, no sign-in, before or after launch.

Know which card to swipe. Every day.