Managing credit cards can be challenging, especially if you own multiple of them. Many users fail to make timely payments despite auto-debits and reminders, leading to costly penalties and interests. Thankfully, credit card management apps are here to help! They track multiple cards in one place, send reminders for due dates, warn about credit limits, and even track rewards and points. Here are the five best credit card management apps to download now.

Prism
Prism is a personal finance management app from Handle Financial, a fintech company. It allows you to track all account balances and monthly income and expenses in one place and also pay multiple bills, including credit card bills. This means no more logging into individual bank accounts or credit card company websites to track and pay bills. Interestingly, Prism links your bills with a calendar so that you get notifications on the days your bills are due. To automate monthly payments, you can choose the source account and date for each bill. The records are refreshed every morning so that you do not miss anything. It is a helpful way to make regular and on-time payments to improve your credit score. The app works on iOS and Android devices as well as web browsers.

Tally
If you use multiple credit cards, each with different APRs and balances, Tally makes it easy to manage. You can view the transactions of all your credit cards in one place and track the balance, APR, and due date of each. Further, it allows you to prioritize the payments, calculates the savings, and makes one automatic card payment with a Tally line of credit. While Tally is free, you must qualify to get a credit line. Membership is available at a cost for iOS users, and the amount depends on your credit line requirement.

Credit Karma
If you have more than two credit cards and find it challenging to track your payments and due dates, Credit Karma is another app that makes things simple. It suggests which card you should pay first to improve your credit score, sends reminders for credit card payments, recommends savings plans, and notifies you about offers and credit card rewards you can redeem to save money. However, one disadvantage of Credit Karma is that you cannot pay credit card bills directly. But, you can check the balances in your multiple accounts. It is a free credit card management app available for iOS and Android.

Mint
Acquired by Intuit, Mint is a complete personal finance app with credit card management features. Mint helps you connect multiple banks and credit card accounts in one place, and you can even link it with your investment and pension accounts. In addition, you can categorize expenses, set budgets to avoid overspending, set reminders for payments, and receive alerts for bank account and credit card limits and balances. However, like Credit Karma, you cannot make credit card payments. The app is free and has Android, iOS, and online versions.

Bill Tracker
Bill Tracker is an iOS-only app to track credit card dues and other bills. It is ideal for those who want a simple credit card management app to remind them about due dates and do not want to share financial information with third parties. However, a significant drawback is that you have to feed due dates and reminder schedules manually, as the app does not automatically download credit card information. At $2.99, it is one of the most affordable options out there.

Many personal finance apps offer credit card management tools to simplify the debt and bill management process. While some allow you to make payments automatically for a fee, others only help track your expenses and require you to make payments manually. Before choosing an app, look for pricing, features, compatibility, ease of use, and ability to track credit scores. You can find these details on the brand’s website or review forums.