# CardStack: Credit Card Tracker — Rewards, Points & Cashback

> AI-powered credit card rewards and savings tracker. (iPhone/iPad app by SPACE ROBOTS INC.)

- Source: https://appshunter.io/ios/app/cardstack-credit-card-tracker/id6759270863 (this page in markdown: same URL + `.md`)
- Developer: [SPACE ROBOTS INC](https://appshunter.io/developer/1877786048)
- Category: Finance, Travel
- Price: Free with in-app purchases
- Rating: 4.50/5 from 53 App Store ratings · 18 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 259 MB
- Languages: American English, French (France), German (Germany)
- Released: 2026-03-10
- Data updated: 2026-11-05
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/cardstack-credit-card-tracker/id6759270863/reviews.md

## What is CardStack?

CardStack helps you save $500+ every year on the credit cards you already carry. Maximize cashback and offers, never miss a statement credit, redeem your points at peak value, and let our AI agent do the heavy lifting — so your cards always pay you back more than they cost.

- SAVE MORE WITH CARD-LINKED OFFERS
Automatically add Amex and Chase offers to your cards so you earn cashback and statement credits on purchases you're already making. Browse active offers, see personalized picks matched to your spending, and track every redemption — all in one place.

- NEVER MISS A STATEMENT CREDIT
Track every credit across all your cards automatically — dining, travel, streaming, airline, and more. See which credits are available, which are expiring soon, and which you've already used. Get reminders before you lose them.

- USE THE RIGHT CARD, EVERY TIME
Instantly see which card earns the most for dining, travel, groceries, gas, and every other category. Whether you're booking a flight or grabbing coffee, CardStack tells you the best card to pull out — so you never miss points or cashback.

- STACK AI AGENT — YOUR PERSONAL CARD ADVISOR
Meet Stack, a conversational AI agent that knows your entire card portfolio. Ask it anything:
"What's the best card for this hotel booking?"
"Am I missing any credits this month?"
"Compare my Sapphire Reserve vs. Platinum for a trip to Tokyo"
"How much value am I leaving on the table?"
Stack doesn't just answer — it takes action. It can mark credits as redeemed, set reminders, update your points balances, and generate weekly spending reports showing exactly where you earned and where you missed.

- SEE HOW MUCH YOU'RE EARNING (AND MISSING)
Connect your bank securely with Plaid and unlock full spending analysis:
See points earned vs. points missed on every transaction
Get your optimization score — what percentage of spend hit the best card
View breakdowns by category: flights, hotels, restaurants, groceries, and more
Get "Fix My Stack" recommendations showing exactly which card to swap in

- TRACK YOUR POINTS PORTFOLIO
Monitor balances across Amex Membership Rewards, Chase Ultimate Rewards, Capital One Miles, Citi ThankYou, and more. See estimated cash values, explore transfer partners, and know exactly what your points are worth.

- COVER YOUR ANNUAL FEES — OR CANCEL WITH CONFIDENCE
CardStack's Renewal Advisor calculates whether each card pays for itself based on your real usage. When your annual fee posts, get a clear verdict: keep, downgrade, or cancel — backed by data, not guesswork.

- SMART NOTIFICATIONS THAT SAVE YOU MONEY
Credits expiring soon
Annual fee renewal approaching
Offers about to expire
Missed optimization opportunities
AI-generated insights based on your spending

- CARDSTACK+ UNLOCKS THE FULL SYSTEM
Upgrade to unlock powerful automation and intelligence:
Stack AI Agent with full conversation history
Secure bank sync with Plaid for automatic transaction analysis
Auto-detect statement credits from your transactions
Earned vs. missed rewards analysis across every purchase
Safari extension that shows the best card while you shop
Automatically add Amex & Chase offers
Weekly AI spending reports and optimization scores
Personalized "Fix My Stack" recommendations
Sync across all your devices

YOUR CARDS ARE COSTING YOU — OR PAYING YOU. KNOW WHICH.

CardStack turns your credit cards into a money-saving system. Every credit tracked. Every offer captured. Every purchase optimized.

Download CardStack and start saving.

Terms of Use (EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Maximize cashback and offers
- Track statement credits automatically
- Redeem points at peak value
- AI agent for personalized advice
- See which card earns the most
- Track points portfolio
- Annual fee advisor

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| CardStack+ | $12.99 | per month |
| CardStack+ | $89.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| CardStack+ Lifetime | $239.99 | one-time |


## Chart rankings

- #188 in Top Grossing · Finance (US App Store)

## Is CardStack safe?

CardStack: Credit Card Tracker appears safe based on user ratings. The AppsHunter Safety Score for CardStack is 85 out of 100. This assessment is based on 53 user ratings, with an App Store average of 4.5 out of 5. Of 53 App Store ratings, 90.6% point to a safe experience, 0.0% suggest some concerns, and 9.4% point to a risky experience.

## Is CardStack legit?

CardStack: Credit Card Tracker has limited verification signals. The AppsHunter Legitimacy Score for CardStack is 58 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (10 of 18)

All indexed reviews: https://appshunter.io/ios/app/cardstack-credit-card-tracker/id6759270863/reviews.md

### 5/5 — Fantastic

*2026-08-15*

Just the app I was looking for. Great user interface, logical and intuitive to navigate, easy to connect to accounts online, and it doesn’t overwhelm you with information. I can’t wait to see what future updates bring!

**Developer response:** Thank you! Glad you are loving the app :)

### 5/5 — Great Interface and Easy to Use!

*2026-07-22*

I have been looking for an app to help track my welcome offer progress, while also quickly telling me which is the best card to use in each situation. CardStack fit that role perfectly! The developer is also super responsive and proactive on continuing to improve this app!

**Developer response:** Glad to hear you are finding CardStack easy to use! 

I appreciate the review and thanks again for being a CardStack member! 

Adam,

### 5/5 — Very easy to use and super helpful

*2026-06-20*

This app has made it very easy for me to keep track of all the offers and discounts and ways to save money on all my credit cards. 100% recommend

**Developer response:** Glad to hear! Thank you so much!

### 5/5 — Free money

*2026-06-19*

The ROI on this app is insane! I just installed it and already saved over $300 in subscriptions that my cards subsidize… and I haven’t even started playing the points game. 11/10 enjoy your free money

**Developer response:** That's amazing! Thanks for sharing!

### 4/5 — Great app

*2026-06-12*

Missing U.S. bank altitude go card :(

**Developer response:** Hi! Thanks for the review. 

We've added the U.S. bank altitude go card. It is in the 1.4.2 release. 

Email us at support@cardstack.money if you have any additional feedback. We would also appreciate it if you updated your review/rating. Thanks! 

Thanks!

### 5/5 — Just works!

*2026-05-26*

The solution you’ve been looking for!

**Developer response:** That’s right! :) 

Thank you for supporting CardStack!

### 5/5 — Love the direction this app is going

*2026-05-24, version 1.4.0*

Really enjoying CardStack so far. I’ve tried a few card/rewards apps before, but this is one of the few that actually feels pleasant to use every day. Clean design, useful insights, and I like that the team is actively improving the app. It’s already helped me better keep track of my cards and benefits without feeling overwhelming.

### 5/5 — Great app

*2026-05-23*

This app is awesome! I finally can see all my credit cards benefits in one place and can track which one hasn’t been used.

**Developer response:** Thanks for being a CardStack member!

### 5/5 — Brilliant idea

*2026-05-19*

I love this app. I was wondering if something like this existed and thank goodness it does. I was leaving so much money and points on the table

### 5/5 — Awesome app!

*2026-05-16*

So glad I discovered cardstack. Makes it easier to find and track all credits in one place

**Developer response:** Thank you so much for the review! 

We appreciate it. Glad you used the Lululemon credit before it expired.

## Frequently asked questions about CardStack

### How does CardStack help me save money?

CardStack helps you save money by maximizing cashback and offers, ensuring you never miss a statement credit, and advising on the best card to use for each purchase. It aims to help users save over $500 annually by optimizing credit card benefits.

### What kind of AI features does CardStack offer?

CardStack features an AI agent named Stack, which acts as a personal card advisor. You can ask Stack questions about your card portfolio, such as which card is best for a specific booking or if you're missing any credits. Stack can also take actions like marking credits as redeemed or setting reminders.

### Is my financial data secure with CardStack?

Yes, CardStack uses Plaid for secure bank syncing, ensuring your financial data is protected. This connection allows the app to provide detailed spending analysis and track your earnings and missed opportunities.

### What are the subscription plans for CardStack+?

CardStack+ offers two subscription plans: a monthly option at $7.99 with a 7-day free trial, and an annual option at $69.99, also with a 7-day free trial. These plans unlock the full system, including the Stack AI Agent with full conversation history and secure bank sync.

### How does CardStack handle annual fees?

CardStack includes a Renewal Advisor that calculates whether each card pays for itself based on your usage. When an annual fee is due, it provides a data-backed verdict on whether to keep, downgrade, or cancel the card.

### What devices does CardStack support?

CardStack is available on iPhone and iPad, indicated by its support for these devices. The app is designed for mobile use on Apple's iOS platform.

### How often is CardStack updated?

The latest version of CardStack is 1.4.1, and it was last updated on May 31, 2026. This indicates a relatively recent update, suggesting ongoing development and maintenance.

### What is the age rating for CardStack?

CardStack has an age rating of 4+. This means it is considered suitable for children aged 4 and above, with no mature content expected.

## Version history (last 5 releases)

### 1.5.4 — 2026-11-01

- Bug fixes and improvements

### 1.5.3 — 2026-10-26

- Bug fixes and improvements

### 1.5.2 — 2026-10-22

- CardStack has been redesigned for iPhone Duo and iPad. 
- Reminders on Home and in account settings help you finish matching wallet cards to connected banks.
- Better matching for cards already in your wallet, including cards added through the CardStack extension, helps avoid duplicate additions.
- Refined layouts for browsing credits, transactions, filters, and detail screens on iPad and iPhone Duo.
Fixed
- Transfer bonus notifications open the relevant bonus details, or the bonus list when a bonus is no longer available.
- Reward multipliers in Fix My Stack display cleanly
- Other bug fixes and improvements

### 1.5.1 — 2026-09-13

- Better on iOS 27: CardStack now works better with Siri AI, Shortcuts, Spotlight, and onscreen actions. You can quickly check credits, review spending, find offers, and jump straight to the right card or benefit.
- Connect CardStack to your favorite AI Assistant: ChatGPT, Claude, Muse, and other agents can now help you maximize your credit card rewards through the CardStack MCP. 
- Use the annual fee you actually pay: Enter your real annual fee, including waived or discounted fees, and see which credits help offset it.
- More accurate rewards estimates: Choose your Bank of America rewards tier, U.S. Bank Smartly tier, or Coinbase One tier so CardStack can estimate your earnings more accurately.
- Find cards faster: Browse popular cards, filter by issuer, and request a card if you can’t find it.
- Points syncing is more reliable: Fixed issues where balances or rewards programs could disappear or revert after edits. Wells Fargo Rewards is now supported too.
- Credit tracking is more accurate: Improved how CardStack handles anniversary-based and six-month credits, remaining balances, and redemption history.
- Better card matching: Connected accounts are less likely to be matched to the wrong card or issuer.
- More cards, better data: Added more cards and refreshed benefits, earning rates, card artwork, and transfer bonuses.
- Welcome bonus tracking is more accurate: Fixed reward amounts for offers with multiple spending requirements.
- Got an idea? You can now submit feature requests, vote, and comment from Request a Feature in Settings.

### 1.5.0 — 2026-07-21

Points, bonuses, and credits got a big upgrade.

• Points — Redesigned portfolio with totals, program logos, year-to-date earnings, and optional custom point values. You can also sync Amex, Capital One, Bilt, and Marriott balances from the browser extension.

• Sign-up bonuses — Track your progress, minimum spend, and deadlines from Home and card details.

• Credits — Better redemption history, clearer partially used credits, and more accurate handling of multi-year and expiring credits, including Saks.

• Card open dates — Add your card's open date so annual fees and credits match your actual anniversary.

• Browser extension — Offer categories, one-tap redemption amounts, smarter auto-add, and merchant logos.

• iOS Shortcuts — Ask CardStack for your best card, ROI, or search your wallet.

• UI improvements — Updated typography, buttons, home widgets, and a smoother setup for notifications and the Safari extension.

• Bug fixes and performance improvements.

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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 2026-11-05.*