Credit Hub · by LotusBloom
Every card, one screen.
Most people don't lose money on credit cards because they overspend. They lose it because they can't see the whole picture. Credit Hub puts every card and line of credit on one screen — balances, limits, utilization, and what each one really costs you every month.
- No account required
- Works offline
- Face ID locked
- Free to download
Watch how it works.
Five short how-to videos, filmed in the app. Pick one and see exactly what Credit Hub does, step by step.
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▶See it in thirty seconds.
A walkthrough of the real app — the roll-up across every card, what needs you today, the payoff planner, and what a cash advance would actually cost.
29 seconds · sound on
It watches what your cards report, and when.
Not another balance list. Credit Hub reads your cycle — what reports, when it reports, and what it costs you.
Everything that needs you today
Total owed, available credit and utilization across every account, then the handful of things that actually need a decision this week — nothing else.
Pay this much, by this date
Tell it what you can afford each month and it projects the date you’ll be debt free, and what the interest costs along the way. Avalanche or snowball.
Tax-ready, all year long
Track receipts for personal and business as you go, with deductible totals kept apart from the rest — so April is a lookup, not an excavation.
Every due date, mapped out
Every statement close and due date across every account on one timeline, so a payment never arrives as a surprise.
What a cash advance really costs
Need to free up money? It ranks your options by what they would genuinely cost you — from a 0% balance transfer to a cash advance — before you commit.
Due dates timed to payday
It lines your due dates up with the days you actually get paid, so every cycle is easier to cover than the last one.
Your cards, receipts and calendar work without an account — they're stored on your device, not on our servers. Face ID keeps them shut.
Questions, answered.
Do I need an account?
No. You can try Credit Hub with one card and no sign-up. An account is needed for Premium, and you can create one with your email, Sign in with Apple, or Google.
Where does my data live?
On your iPhone, behind Face ID. Your cards and receipts aren’t stored on our servers, which is also why they keep working with no signal.
Does it connect to my bank?
Only if you want it to. You can type cards in by hand, or hand it a statement PDF and it reads the balance, limit, APR and due dates off the page for you.
What happens when I sign in with Google or Apple?
Credit Hub receives only your name, email address and an account ID, and uses them only to create your account and sign you in. We never see your Google or Apple password, and we don’t access your contacts, files, calendar or any other data. Details are in our Privacy Policy.
What does it cost?
The download is free and includes one card. Credit Hub Premium — bank sync, unlimited cards, receipts, exports and the full Credit Health breakdown — is $12.99 a month or $99.99 a year, with a free trial for new subscribers. The App Store shows the price before anything is charged.
Know what ships next.
New features and business tools. One email when something lands — nothing between now and then.
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