For years I was left unsatisfied with a tool that managed expenses with multiple cards and I found it half a year ago in CoPilot: https://copilot.money
Great app and handles internal transfers (ie payments to a card or another account) with grace. Smart rule system, recurring transactions, etc. Mint on steroids. Highly recommend for people like me looking for tools to replace simple.
Note: I am in no way affiliated with CoPilot, just found them super useful for that function as Simple wasn't hitting it.
Shameless referral code for a free month: 7UWQ7W https://copilot.money/link/cXPAZ3zJ3QT2N4LS6