Support — Plain and Simple Perks
The app keeps track of the credits attached to cards you already hold. You tell it which cards those are, and it tells you what is about to reset.
Getting started
Add your cards from What You Hold. Choose the card, then say whether you are the primary cardholder or an authorised user on it — the two do not always get the same benefits.
Benefits to Use is the screen the app is for. It lists every credit that is on a clock, soonest first, with how long is left. Tap one when you have used it.
Misc Benefits is everything with no clock — lounge access, insurance, status and the like. There is nothing to use before a date, so it has a screen of its own rather than cluttering the one that does.
Some of my credits are missing from the list
Almost always this is a credit that resets on your own account anniversary, with no anniversary month set. Several cards work that way, and the app will not guess. Open the card from What You Hold and set the month your account was opened; the credits appear immediately.
The app tells you this on the card rather than leaving you to work it out, and if you genuinely do not know the month, leaving it unset is the right answer. A guessed month reports a credit as still available three weeks after it reset, which looks exactly like a correct answer until you lose it.
You can change or clear the month later without losing anything you have confirmed.
My card is not in the list
Nineteen cards and memberships ship today, all from large American issuers, and there is no way to add one that is not on the list yet. If yours is missing, the app has nothing for you at the moment — that is a real gap rather than a setting you have missed.
A credit is wrong, or has changed
Issuers change credits without notice, and your card's own terms are the authority rather than this app. Every card in the app carries the issuer's page it was taken from and the date somebody read it, so you can check.
The app can receive corrections to a card already in it without waiting for an update from the App Store, so a row that is wrong can be put right. If you spot one, tell me — it is the fastest way it gets fixed for everyone.
Reminders
Turn one on per credit, from the bell in the toolbar on Benefits to Use. They arrive at 10am, a few days before the credit resets, and they come from your own phone — there is no server involved.
iPhone asks for permission the first time you turn one on, not when the app launches. If you said no and want them now, open Settings, find the app in the list, and switch Notifications on.
Confirming a credit cancels its reminder. The whole schedule is rebuilt whenever anything changes, so you should never be nudged about something you have already dealt with.
Recording what you used
Type the amount you actually used, or leave it blank. If you used $8 of a $15 credit, put in $8 — the app never fills in the face value for you, and leaving it empty records that you used the credit without saying how much. Those are different things and the app keeps them different.
Tapping a confirmed credit again undoes it. Confirmed credits drop to a section below the list rather than disappearing, which is where you undo one.
Why there is no "this card pays for itself"
The Fees screen shows what a card costs and what you confirmed using, side by side, and never subtracts one from the other. That is deliberate. A $200 airline credit you would not otherwise have spent is not $200 in your pocket, and an app that treats it as one is doing the issuer's marketing rather than telling you where you stand.
For the same reason it never totals up what is "still available", never scores a card, and never advises you to keep or cancel one. What it will tell you is what you paid and what you used. The conclusion is yours.
Amex Offers and things like it
Every card in the app lists what the app cannot see, and says so on the card. Targeted offers that appear in your issuer's own app are the main one: they are personal to your account, they are not published anywhere, and nothing in this app can know about them. Rather than quietly omit them, each card names them.
Connecting Lunch Money
This is optional and most people will not need it. If you keep your accounts in Lunch Money:
You supply a token you issued yourself. Open Lunch Money's developer settings, create an access token, and paste it in. It is stored in the iPhone Keychain marked device-only, so it is not in iCloud and does not travel to a new phone — if you change phones you enter it again.
Match each account to a card you hold. One account matches one card.
What comes back is a suggestion, always. A charge that looks like a credit landing is shown as a hint, and nothing is ever marked used for you. Credits often do not post the way you would expect — a dining credit can appear as a charge and then a separate credit line days later — so the app proposes and you decide.
Nothing goes the other way. The app only reads from Lunch Money; which cards you hold and what you have confirmed never leave your phone.
If a token is refused, it is the token rather than your connection — reissue it in Lunch Money and paste the new one in.
Does it work without a signal?
Yes, entirely. Every card, credit and reset date is inside the app, so it works in aeroplane mode on the day you install it and afterwards. A connection only ever lets it correct a row it already has, or read Lunch Money if you connected it, and neither is needed.
Your data
The cards you hold and the credits you confirmed sync through your own iCloud, so they reach your other devices and nobody else's. There is no account, and there is nothing on any server of mine — there isn't one.
There is no export button yet. That is a fair thing to ask for and it is not built.
Something else
Get in touch below. It's one person answering, so it may take a day or two, but every message gets a reply.