ItzolFree
$0
- 1 card
- Core recommendations
- Reminders
- Data export
Now on the App Store
The right card. Every time.
Itzol ranks the cards already in your wallet by billing-cycle timing and rewards — so at the counter, you already know which one to tap.
No account. No bank login. Your cards stay on your phone.
How it works
01
Add your cards
Nickname, close day, due day, rewards — typed in once. No bank login, ever.
02
Open Itzol at the counter
The Today deck ranks your wallet for right now — timing and rewards, weighted your way.
03
Tap the winner
Every pick explains itself: days of float, category multipliers, cycle warnings. No black box.
The timing engine
The part nobody else has: your cards' billing cycles.
Buy right after a statement closes and the charge isn't due until the next cycle ends — that can mean 40+ interest-free days. Buy right before close and you get the minimum. Same card, same purchase, different day.
A card that closes on the 15th and is due on the 30th gives a purchase made today 38 days of float — not the 7 days naive due-date math suggests.
Itzol also schedules 15/3 reminders — two payment nudges, 15 and 3 days before each due date, a popular credit-utilization tactic.
Other card apps ask you to link your bank. Itzol never does.
- No account, no sign-up
- No bank login, no credentials
- No card numbers — nicknames and reward rules are all it needs
- Everything lives in a local database on your phone; export is yours
A wallet worth looking at.
Five materials, any color — your cards, the way you see them.
Pricing.
One free card to start. Pro when your wallet grows.
Itzol Pro
- Up to 10 cards
- Plan calendar + planned purchases
- All card materials
- 15/3 timing
- Monthly
- $1.99 / month
- Yearly
- $14.99 / year, after a 1-month free trial
- Lifetime
- $49.99 once (launch offer)
Prices in USD. Purchases are billed by the App Store or Google Play.
Questions, answered
Where does my data live?
In a local database on your phone. There's no Itzol server for it to sync to — we can't see it.
How do I back up or move phones?
Export produces one JSON file with everything. Save it anywhere, import it on the new phone, and you're exactly where you left off.
Why doesn't Itzol connect to my bank?
On purpose. Itzol works from the reward rules and cycle dates you type in — it never needs credentials, and it works fully offline.
Which platforms are supported?
iOS only — Android coming soon.
What does Pro cost?
The table above is the whole story — a free tier, and Pro monthly, yearly, or lifetime.
Can I get my data out?
Always — one tap exports a JSON file that's yours to keep. More in Support.
Launching on iOS — Android coming soon.
Questions? We read everything — support@itzol.app