CardROI: Credit Card Tracker

CardROI: Credit Card Tracker

Rewards, Perks & Annual Fees

4 ratings
2 reviews
Free
In-App Purchases

Details

Released
July 14, 2026
Updated
September 10, 2026

Features

CardROI: Credit Card Tracker screenshot #1 for iPhone
CardROI: Credit Card Tracker screenshot #2 for iPhone
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CardROI: Credit Card Tracker screenshot #6 for iPhone
CardROI: Credit Card Tracker screenshot #7 for iPhone
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About

Effortlessly track credit card benefits, rewards, and annual fees to understand your true return on investment. Get smart reminders for expiring credits and maximize your points across various loyalty programs. Make informed decisions about which cards to keep or cancel.

✓Track credit card benefits and credits
✓Calculate return on investment (ROI)
✓Smart reminders for expiring benefits
✓Track loyalty program points and redemptions
✓Compare credit cards side-by-side
✓Identify missing card benefits
✓Annual credit card performance audit
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What's New in CardROI

2.0.1

September 10, 2026

• Share your Replay: the share is now one card sized for Stories or a text, with your benefits used, where you stand against your fees, your card of the year and your biggest single win. • Spend unlock: once you mark the $75K unlock, the benefits it unlocks log like everything else. IHG Diamond as stays, the Southwest and Shops at Chase credits as dollars, Sky Club as visits. • Costco Anywhere Visa and Robinhood Gold: the membership is no longer counted as the card's fee, so a no-fee card no longer starts the year behind. The membership still shows in Card settings. • Getting set up: every row ticks the moment you open it, and Skip hides the list if you would rather explore on your own. Have feedback? suggestions@cardroi.app

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Subscriptions & In-App Purchases

Premium Monthly

Monthly price

$3.991 Month
7 Days trial
How to cancel CardROI subscription ⁉️

User reviews

Helped me optimize my rewards

I have several premium credit cards, and keeping track of categories, credits, and perks can be a lot to manage. I downloaded this app and found was I missing out on hundreds of dollars across cards and paying double for some perks.

Very helpful and paid for itself many times over.

I like the card overlap function and the quarterly reminders have kept me from leaving money on the table.
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Response from developer

Thank you so much for taking the time to write this! Hearing that CardROI helped you find hundreds of dollars you were missing, and catch perks you were paying for twice, is exactly why we built it. Premium cards come with great value, but only if you can keep track of it all, and that's a lot to juggle on your own. We're so glad the card overlap view and quarterly reminders are working for you. If there's anything you'd love to see added or improved, we'd genuinely love to hear it. We're at suggestions@cardroi.app. Thanks again for the kind words, and here's to many more rewards captured! - The CardROI team

Great private credit card points tracker!

This is a great, private tool to track the benefits of your credit cards to be sure you are maximizing the points and other benefits! And, to have that real money information consolidated to one place and card benefits compared! So valuable!! Glad I subscribed!

Response from developer

Thank you so much! Reviews like this are exactly why we built CardROI. Consolidating the real-dollar value of your cards in one private place is the whole mission, and it means a lot to hear it's working for you. If you ever have a feature idea or spot something we can improve, we're at suggestions@cardroi.app — The CardROI team

Developer apps

FAQ

How does CardROI help me understand my credit card value?

CardROI tracks all your credit card benefits, such as dining credits and lounge access, and calculates your actual return on investment (ROI) against the annual fee. This helps you see which cards are profitable and which are not.

Does CardROI connect to my bank accounts?

No, CardROI is built for privacy and does not require account or bank connections. All your financial data stays securely on your device.

What credit card companies are supported by CardROI?

CardROI supports over 30 premium cards from major issuers including Chase, American Express, Citi, and Capital One, tracking benefits like Uber Cash, dining credits, and hotel stays.

How does CardROI help me avoid missing out on benefits?

The app provides smart reminders for benefits before they expire, ensuring you utilize credits for quarterly cycles, monthly allowances, and anniversary-based perks.

What are the subscription options for CardROI?

CardROI offers a Premium Monthly subscription for $3.99 and a Premium Annual subscription for $34.99, both including a 7-day free trial. Premium features include ROI analysis, unlimited cards, and an annual audit.

Is CardROI available on Android devices?

Currently, CardROI is supported on iPhone devices. Information regarding Android compatibility is not yet available.

How often is CardROI updated?

The app was last updated on July 27, 2026, with version 1.0.1. This indicates a recent update, suggesting ongoing development and support.

What is the user sentiment for CardROI based on ratings?

CardROI has a perfect 5.0-star rating from 4 reviews, indicating very positive user sentiment among its current user base.