The Sanest Way Ever to Use Credit Cards

Imagine if you could use credit cards for all the good things—points, hotel stays, ham and cheese croissants at the Delta lounge—without the bad things like debt, stress, and shuffling money at the last minute to pay your statement.

YNAB has created the simplest, most effective system for keeping you and your credit card spending on track. Our promise is that we'll let you know if there isn't enough cash on hand to pay off your total card balance. We'll either show you how to fund that spending right then, or help you make a plan to pay it off over time.

So keep earning perks, protecting your purchases, and save the drama for your next points-fueled trip to Broadway.