# CardROI: Credit Card Tracker — Rewards, Perks & Annual Fees

> Credit card benefit tracker for ROI analysis and rewards maximization. (iPhone/iPad app by ChesKat Enterprises, LLC.)

- Source: https://appshunter.io/ios/app/cardroi-credit-card-tracker/id6779308740 (this page in markdown: same URL + `.md`)
- Developer: [ChesKat Enterprises, LLC](https://appshunter.io/developer/6779308742)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 4 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 26.0 · 8 MB
- Languages: American English
- Released: 2026-07-14
- Data updated: 2026-09-07
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/cardroi-credit-card-tracker/id6779308740/reviews.md

## What is CardROI?

Stop tracking credit card benefits in spreadsheets. CardROI does it for you and tells you if your cards are actually worth the fees.

Whether you carry a single premium card or juggle a wallet of five, CardROI tracks every benefit, calculates your real ROI, and answers the question most cardholders can't: "Am I actually getting my money's worth?"

TRACK EVERY BENEFIT
Log Uber Cash, dining credits, hotel stays, airline fees, lounge visits, and more across 30+ premium cards from Chase, American Express, Citi, Capital One, and others. No more "did I use that credit?"

KNOW YOUR ROI
See exactly how much value you've claimed against each card's annual fee. Cards in the green, cards breaking even, cards leaking money, visualized and actionable.

NEVER MISS A CREDIT
Smart reminders before benefits expire. Quarterly credit cycles, monthly DoorDash allowances, semi-annual dining credits, and anniversary-based free nights, all tracked and surfaced before the deadline hits.

MAXIMIZE YOUR POINTS
Track balances across 15+ major programs: Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou, Delta SkyMiles, Hilton Honors, World of Hyatt, and more. Log redemptions to see your actual cents-per-point performance.

COMPARE & DECIDE
Side-by-side card comparison with annual fees, benefits, and earning rates. Explore 30+ cards before applying or decide whether to keep or cancel the ones you have.

FIND WHAT YOUR WALLET IS MISSING
Premium gap analysis shows which benefits your current card stack doesn't cover (no airline lounge access, no dining credits, no travel insurance) and surfaces cards that cover what's missing.

ANNUAL AUDIT
Your credit card year in review. See your best-performing card, benefits you left on the table, and smart insights for next year.

BUILT FOR PRIVACY
No accounts. No bank connections. No tracking. All your data stays on your device.


Free to download. Premium unlocks ROI analysis, smart reminders, unlimited cards, gap analysis, and the Annual Audit.

Questions or card suggestions? suggestions@cardroi.app

Terms of Use: https://cardroi.app/terms-of-service
Privacy Policy: https://cardroi.app/privacy-policy

## Key features

- 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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Premium Monthly | $3.99 | per month |
| Premium Annual | $34.99 | per year |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/cardroi-credit-card-tracker/id6779308740/reviews.md

### 5/5 — Helped me optimize my rewards

*2026-08-06*

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.

### 5/5 — Great private credit card points tracker!

*2026-07-20*

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!

**Developer response:** 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

## Frequently asked questions about CardROI

### 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.

## Version history (last 4 releases)

### 1.2 — 2026-09-06

• 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

### 1.1 — 2026-08-03

• 3 new cards: Southwest Rapid Rewards Plus, Premier, and Priority with current benefits including free checked bags, anniversary points, and A-List tier boosts
• New points program: Southwest Rapid Rewards, with redemption benchmarks and Companion Pass insights
• Cleaner Discover browsing: full card names with the issuer shown under each card
• Annual fee reminders now open your Full ROI Report so you can see your card's value at a glance
• Plus refinements throughout

### 1.0.1 — 2026-07-27

A polish pass across the whole app:

• Points: redesigned Log Redemption — a live value verdict as you type, ranked benchmark comparisons for your points, and an estimated-value field that fills itself
• Number pads now have a Done button, so the keyboard always gets out of your way
• Discover: search the card library by name or issuer, plus a cleaner, easier-to-scan card list
• Wallet: the ROI gauge is now the default summary, benefit progress bars animate as they fill, and Edit mode makes managing cards simpler
• Card library updates: Robinhood Platinum's July rework ($1,000 travel credits, WHOOP membership, Eight Sleep), updated Sapphire Lounge day-pass value
• Benefit updates now reach cards already in your wallet automatically — no re-adding needed

Plus small fixes throughout.

### 1.0 — 2026-07-14

No release notes.

## Related topics

[credit card tracker points](https://appshunter.io/ios/topics/credit-card-tracker-points) · [credit card tracker budget](https://appshunter.io/ios/topics/credit-card-tracker-budget) · [fee tracker](https://appshunter.io/ios/topics/fee-tracker)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-07.*