CardROI: Credit Card Tracker

CardROI: Credit Card Tracker

Rewards, Perks & Annual Fees

4 ratings
2 reviews
Free
In-App Purchases

Details

  • Released
  • Updated
  • July 14, 2026
  • September 6, 2026

Features

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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

1.2

September 6, 2026

• One-time offers like "12 months of DashPass" or "6 months of DashPass" now track month by month from the day you activate them, then close out automatically. No more resetting every January. • Card library refresh: Citi AAdvantage Executive (Aug 2026 changes), United Club and Explorer earning rates, Amex Gold refresh, CLEAR credit now $219, Delta second free checked bag, Marriott Boundless airline credit, Bilt earning corrections, and more. • The free plan now consistently tracks 2 cards: pick which 2 to keep during setup, and cards beyond 2 stay safely locked (never deleted) until you upgrade. • Fixed a clipped first letter on the points redemption tips screen. Have feedback? suggestions@cardroi.app

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Subscription plans

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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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

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.