No. Netcarda Free does not require a bank connection, bank login, card number, signup, or payment method. You choose supported cards and manually record benefit usage after it happens. Netcarda does not watch Free transactions in the background.
What do I enter instead?
You select the cards you want to track, enter account-open dates when anniversary timing matters, and record statement-credit or benefit usage yourself. You do not enter a full card number or banking password.
Why is tracking manual?
Manual tracking keeps Free simple and local-first. It also lets you record only the benefit activity you want in the tracker. Netcarda Plus currently adds cloud sync and faster manual logging tools; connected tracking remains clearly labeled as coming soon.
What should I verify?
Only record a statement credit after it appears on your issuer statement. Issuer terms control eligibility, enrollment, posting, and reset timing, so confirm product-specific details with the card issuer.
COMMON QUESTIONS
Frequently asked questions
Does Netcarda ask for bank credentials?
No. Netcarda Free does not ask for a bank username or password.
Does Netcarda need my credit card number?
No. A card number is not required to use Netcarda Free.
Does Netcarda automatically detect purchases?
Not currently. Free is manual, and automatic or semi-automatic credit detection is shown as a coming-soon Plus feature.
Reviewed by Netcarda LLC · Last service review: September 20, 2026.
Netcarda describes current product behavior from its published applications and service contracts. Features and card terms can change. For card-specific eligibility, fees, and benefit timing, verify the issuer's current terms.