On autopay? Your credit score may still be paying the price.
Pick your plan
FreeStart free2 cards, 5 subscriptionsChoose $99Tracker yearlyA year. 25 cards.Choose $12Tracker monthlyA month. 25 cards.Choose $149BusinessA year. 75 cards.Choose From $199We set it upWith you, by phoneChoosePaid plans renew until you cancel. Cancel anytime in one click.
New Tracker plans come with a 15-day money-back guarantee.
▶ Not sure yet? Watch the 2 minute demo firstAutopay pays on the due date. But your card usually reports your balance days earlier, on the close date. DueSmart shows you both dates, reminds you before each one, and catches every subscription before it renews.
- No bank login, password, or Plaid connection
- Never enter full card numbers, CVV, PIN, or bank credentials
- Upgrade later and everything you added comes with you
Up to 25 cards or loans and 25 subscriptions. About $8.25 a month. Renews every year until you cancel. We email you 30 days before each renewal. Cancel anytime in your account, in one click.
Start the yearly plan for $99Pay-off plan: which card first, and your debt-free date. Ask Grace by voice.
New Tracker plans come with a 15-day money-back guarantee.
Or $12 a month. Renews every month until you cancel.
More ways to pay
Prefer to pay once with no automatic renewal? Pay $99 for 12 months. We never charge your card on our own.
Watch Grace fill in the card form
A short demo with voice. Mary talks, and Grace fills in her cards for her. Go one step at a time and tap Next when you are ready.
When it opens, click the green Play it all by itself button and just watch.
Watch the demoWatch Dana pay off 5 cards
A short demo with voice. Dana tells the Tracker how much she can pay each month. It shows which card to pay off first, and the month she is free of card debt. Then she asks Grace.
When it opens, click the green Play it all by itself button and just watch.
Watch the pay-off demoFree checkup: what do your cards and subscriptions really cost you?
Type your subscriptions and card nicknames. See your yearly total, which bill is due next, and how much of each card you are using. No sign-up. No card numbers.
Try the free checkupUp to 75 cards or loans and 75 subscriptions, with 30 free minutes a month with Grace. Renews until you cancel.
Business yearly: $149 a year Business monthly: $19 a monthNew: employee cards and totals by department. See how.
Watch how a team tracks company cards
A short demo with voice. Ray adds his teams and who carries each card, Grace answers by department, and his manager Dana sees only her team. Tap Next when you are ready.
When it opens, click the green Play it all by itself button and just watch.
Watch the team demoWant us to set it up with you? From $199. See setup help
- 15-day money-back guarantee on new Tracker plans
- Cancel anytime, in one click
- No bank login and no card numbers, ever
- Real people help you: support@duesmart.com
How it works
- Add your cards and loansJust a nickname, like "Blue card", and its dates.
- We remind youYou get a reminder a few days before each important date.
- You pay on timeNo surprise late fees. No guessing.
Catch every subscription before it renews
List Netflix, Spotify, your gym or any service you pay for. We remind you before each renewal, so you can keep it or cancel it. Free for 5 subscriptions.
Every card has two dates
Helpful tip: paying down your balance before the close date may keep the reported balance lower. Always pay at least the minimum by the due date.
New in your Tracker
Now it tells you exactly what to pay
Big, simple and made for real life. Every new feature works on your phone and with Grace.
- Your Pay-off plan, with Grace by voice
Tell it how much you can pay each month. It shows which card to pay off first, the month each card is paid off, and your debt-free date. Or just ask Grace: "What card should I pay off next?" - Pay-in-4 plans, never missed
Use Afterpay, Klarna or Affirm? Add each plan and the Tracker reminds you before every payment. Mark each one paid with one big green button. Or ask Grace: "When is my Afterpay due?" - One plan for you and your spouse
Put your cards and your spouse's or partner's cards in one pay-off plan. Tap Mine or their name on each card, and see each person's total. - An emergency cushion goal
Set a small savings goal, like $500, so a surprise bill does not go on a card. Tap I put money in to watch it grow. You keep the money in your own bank. - See what to pay for 5%, 10%, 15% and 29%
Each card shows the dollar amount to pay before the close date to report 5%, 10%, 15% or 29% utilization. If you are already there, it shows a check mark. - Just ask Grace how much to pay
Say "How much should I pay on my Chase card?" and Grace reads the amounts for that card, with the close date. - Big green and gold buttons
Tap I made a payment or I made a purchase right under the balance. Or tell Grace "I paid 50 dollars on my Chase card."
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- A weekly reminder to keep balances right
Once a week, a gold box asks if your balances are still right, so your numbers stay correct. Grace asks too before you hang up. - Big numbers that are easy to read
Every card shows its credit limit and its utilization in large colored numbers: green is good, gold means watch it, red means high. - Grace greets you by your first name
She says "Hi Mary" and remembers the name you like to be called. You can change it on your dashboard. - Add a card by just talking
Grace asks one easy question at a time: the name, personal or business, the balance to the penny, the limit and the dates. She reads it all back before saving. - A big gold Edit button on every card
Pick your bank from a list, including Visa and Mastercard from any bank, and fix any amount in one tap. - Stay signed in for a year
If you use Gmail, tap the big Google button once and stay signed in for a year on that phone or computer. No passwords to remember.
Two steps to a stronger credit score
The two biggest parts of your credit score are paying on time and how much of your card limits you use. Step 1 handles both. Step 2 helps with the rest.
The Tracker
Pay on time and keep your balances low.
- A reminder before every due date, so you are never late.
- A reminder before every close date, so a lower balance gets reported.
- Free for 2 cards. $99 a year for up to 25.
The Credit Workspace
Check your reports for mistakes and watch your score month by month.
- We walk you through your free credit reports, one page at a time.
- Found something wrong? We help you write it down and make a letter. You check it and send it yourself.
- Write down your score each month and see which way it is going.
$29 a month. Cancel anytime.
See Step 2: the Credit Workspace ▶ Watch the 2-minute Credit demoNo one can promise a score or a date, and we never will. These steps are the habits that matter most, done one at a time.
Is it safe?
- We never ask for your bank login or password.
- We never ask for your full card number, PIN, or security code.
- You only type the dates and amounts you choose.
- Payments are handled by Stripe, a trusted payment company.
What DueSmart members say
In their own words, shared with their permission.
“I had 24 credit cards scattered all over the place. DueSmart helped me split them into a start-of-month group and an end-of-month group, and Grace adds up my minimum payments for me, because I'm not good with numbers. As a senior, managing my cards felt like a burden. Thanks to DocTA Dwight's patience, that burden is gone.”
“I run a towing company, and when my trucks broke down, five of my ten cards ended up maxed out. I was skeptical at first, but Grace breaks everything down and posts my numbers for me. She makes managing my cards a breeze. DocTA Dwight walked me through the setup, and he has been amazing.”
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“I run a travel company with 20 cards, and I don't trust anyone with them, not even my assistant. When I got overwhelmed, I missed due dates. With DueSmart, it's like having a full-time card assistant, and I never have to put my card numbers in the system. Now I can focus on what makes me money.”
“Before DueSmart, my cards were scattered all over the place. Now they're all in one dashboard, and Grace adds up my totals and posts my numbers for me. It took a lot of credit card stress out of my life. DocTA Dwight helped me set it up, and it was so easy.”
Pick a plan
Start free. Pay only if you have more than 2 cards or loans, or more than 5 subscriptions.
Up to 25 cards or loans and 25 subscriptions. About $8.25 a month. Renews every year until you cancel. We email you 30 days before each renewal. Cancel anytime in your account, in one click.
Start the yearly plan for $99Or $12 a month. Renews every month until you cancel.
More ways to pay
Prefer to pay once with no automatic renewal? Pay $99 for 12 months. We never charge your card on our own.
Up to 75 cards or loans and 75 subscriptions, with 30 free minutes a month with Grace. Renews until you cancel.
Business yearly: $149 a year Business monthly: $19 a month Watch the team demoAlready a Tracker member? Upgrade in your account instead: tap Manage my plan, then Upgrade to 75 cards.
New: employee cards and totals by department. See how.
We stay on the phone with you until every card is in, within 30 days, so take all the time you need. We call you within 1 business day after you pay.
How many cards and loans do you have?
Up to 5 cards: $199 6 to 15 cards: $349 16 to 25 cards: $699 Business, up to 75 cards: $999Each package includes 12 months of the Tracker. Business Setup includes 12 months of the Business plan. Help later on is $125 an hour, and we always agree on it with you first.
Company cards for your team
Do your field workers carry company credit cards? Keep every card, every cardholder and every bill in one place.
- Group cards by department, like Field Ops, Sales or Service.
- Put the cardholder's name on each card, like Tony or Maria.
- Employee cards paid on the company card's bill are counted once, on that bill.
- See each department's balance, how much is used, and the next due date.
- Download a list for your bookkeeper with one tap.
- Ask Grace: "What is due for Field Ops this week?"
Included in the Business plan: $149 a year or $19 a month, for up to 75 cards. No card numbers, ever.
See the Business plan Watch the team demoCommon questions
Do I need to connect my bank?
No. Never. You type in only the dates and amounts you want to track.
Will this raise my credit score?
We cannot promise that. DueSmart helps you pay on time and keep track of balances, which are good habits. Your score depends on your whole credit history.
Do you lend money or fix credit?
No. DueSmart is only a reminder and tracking tool. We do not give loans or repair credit.
Can someone help me set it up?
Yes. Tap Talk with DueSmart and Grace, our phone helper, can add your first cards with you, day or night. Or call (470) 740-8343, Monday to Friday, to reach a real person.
Can it track my subscriptions?
Yes. List Netflix, Spotify, your gym or any service you pay for. We remind you before each renewal, so you can keep it or cancel it. Free for 5 subscriptions. The $99 plan holds 25, and Business holds 75.
Can my business give cards to employees?
Yes, with the Business plan. Group cards by department, add each cardholder's name, and mark employee cards that are paid on the company card's bill, so they are counted once. You can download a list for your bookkeeper.
Does it renew by itself?
Only if you choose a plan that renews. The yearly plan ($99) and the monthly plan ($12) renew until you cancel. You can cancel anytime in your account, in one click, and you keep the Tracker until the end of the time you paid for. We email yearly members 30 days before each renewal. If you pay once ($99 for 12 months), we never charge your card on our own. We email you 30 days and 7 days before it ends. You can call (470) 740-8343 anytime for help.
Can my cards pay themselves automatically?
Yes. You turn on autopay with your card company, and choose the full statement balance. DueSmart shows you the 5 easy steps, then reminds you to keep enough money in your bank. DueSmart never logs into your bank.
DueSmart does not guarantee any credit score change or approval. It is not credit repair, lending, banking, legal, or financial advice. Always check balances and due dates with your card company or lender.
Questions? support@duesmart.com · (470) 740-8343