Credit Run
Maximize your credit-free days
Credit Run launched on June 9, 2026 with 2 votes.
What it does
You're at checkout. Three cards in your wallet. Which one do you swipe? One of them gives you 4 Credit Free Days. Another gives you 50. CreditRun has already done the math & puts the best card at the top. Credit Free Days = how long your money stays in your account after the purchase, before the bill is due. Every card calculates this differently based on its billing cycle & the answer changes every single day. CreditRun gives you one number per card. The one that matters today.
The swipe-decision app for credit card holders. Know which card gives you the most credit-free days, every time.
Chase gives you 4 credit-free days. Amex gives you 30. Citi gives you 50. One keeps your money yours for 7 weeks. CreditRun shows you which. Credit Free Days is how long your money stays in your account after the purchase — before the bill is due. 50 days means 50 days of yours, not the bank's. CreditRun surfaces this number instantly, for every card in your wallet. A 46-day difference. On a $2,000 purchase at ~24% APR, choosing wrong costs you about $60 in interest. Not an expense tracker. Not a budgeting app. CreditRun lives in the 3 seconds before you swipe — the moment that decides whether your money works for you or for the bank. One number per card. The days your money stays put…from creditrun.app
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This is a free tool that helps you manage and visualize your credit card rewards across different categories. You can input the cards in your wallet and see how they complement each other, spot gaps in your setup, and also see the best card to use for a given merchant. I’m also a founder at OneCard, where we’re building a smart card that’ll eventually handle all of this automatically, routing each purchase to the best card in real-time. Would love feedback from the HN community!
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