Itzol: Credit Card Optimizer
MAURICIO ANTONIO RODRIGUEZ MORALES Finance iPhoneiPadiPod touch
Itzol: Credit Card Optimizer is a free Finance app for iPhone and iPad by MAURICIO ANTONIO RODRIGUEZ MORALES. Requires iOS 16.4. Updated October 8, 2026.
- Price
- Free
- on the App Store
- Size
- 65 MB
- Age 4+
- Updated
- Oct 8
- 2026 · v1.3.0
Screenshots
About Itzol: Credit Card Optimizer
Which card should you use right now? Itzol answers in seconds. You have great cards. Each closes on a different day, earns different rewards, and is due at a different time. Itzol keeps track of all of it — and tells you exactly which card to tap for every purchase, and why. THE RIGHT CARD, EVERY TIME • Open the app: your best card right now, ranked by billing-cycle timing and rewards • Filter by what you're buying — groceries, dining, travel, gas and more • See exactly why: days of float, category bonuses, upcoming due dates — every pick explained MASTER YOUR BILLING CYCLES • Buy right after a statement closes and your money floats for weeks • The Plan calendar shows every card's best-buy window at a glance • Time big purchases to the window that gives you the most days to pay REMINDERS ON YOUR TERMS • A heads-up before every due date — you choose how many days • Statement-close alerts the moment a card enters its best window • The 15/3 payment technique, automated with two perfectly timed nudges A VAULT WORTH OPENING • Your cards, rendered as art: metallic, brushed, glossy, matte, frosted • Colors you pick, materials you choose PRIVATE BY ARCHITECTURE • No account. No sign-up. No cloud. • Your card list never leaves your phone — we couldn't see it if we wanted to • Only the last 4 digits, ever. Itzol never asks for full card numbers ITZOL PRO The free tier includes one card with full recommendations and core payment reminders. Pro unlocks up to 10 cards, the Plan calendar, planned purchases, all five materials and 15/3 automation — $1.99/month, $14.99/year with one month free, or $49.99 once, yours forever. — Itzol is an organizer for cards you already have. It does not provide financial, credit, or investment advice, and it never sees your full card numbers. Privacy Policy: https://itzol.app/privacy Terms of Use: https://itzol.app/terms
What’s new
Version 1.3.0 · Updated October 8, 2026
Itzol now speaks Spanish, and lives on your Home Screen and Lock Screen. • New widget: see which card to use today without opening the app. Two sizes for the Home Screen, three for the Lock Screen • The widget stays current on its own, and one tap takes you straight to Today • Private as ever: the Lock Screen never shows your card's last 4 digits • The whole app in Spanish: Today, Plan, Vault, Settings, the add-card wizard and every notification • A new Language setting in Settings > Appearance: follow your phone, or pick Spanish or English • Dates, times and amounts follow your language, and pending reminders are rescheduled in the language you choose
App privacy
The developer, MAURICIO ANTONIO RODRIGUEZ MORALES, reported these privacy practices to Apple.
Data Not Linked to You
The following data, which may be collected but is not linked to your identity, may be used for the following purposes:
- Location: Coarse Location
- Diagnostics: Crash Data
Used for: App Functionality
Alternatives to Itzol: Credit Card Optimizer
Looking for apps like Itzol: Credit Card Optimizer? Here are 6 similar apps on the App Store. The highest rated is PerkPulse: Card Optimizer (5.0/5), and all 6 are free to download.
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SubVisual: Track Subscriptions
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PerkPulse: Card Optimizer
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Wise Money - Budget Tracker
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| App | Rating | Price | Last updated | Compare |
|---|---|---|---|---|
| Itzol: Credit Card Optimizer | – | Free | October 8, 2026 | |
| SubVisual: Track Subscriptions | – | Free | Oct 20, 2026 | Compare |
| PerkPulse: Card Optimizer | 5.0 / 5 (7) | Free | Aug 13, 2026 | Compare |
| Wise Money - Budget Tracker | 5.0 / 5 (1) | Free | Aug 14, 2026 | Compare |
| LightLedger | – | Free | Feb 19, 2025 | Compare |
| Rightful: Claim Money | 4.9 / 5 (7) | Free | Feb 4, 2026 | Compare |
| EPS wallet | – | Free | Sep 10, 2026 | Compare |