Credit Card Tracker: CardStack

Credit Card Tracker: CardStack

Rewards, Points & Cashback

47 ratings
18 reviews
#104 in top-grossing Finance
💰 Finance
✈️ Travel
Free
In-App Purchases

Details

  • Released
  • Updated
  • March 10, 2026
  • September 13, 2026

Features

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Credit Card Tracker: CardStack screenshot #9 for iPhone
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About

This app helps you maximize rewards and savings from your credit cards. It tracks perks, statement credits, and points, offering AI-powered advice to ensure your cards always pay you back more than they cost. Get personalized recommendations and automated offer management.

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
Show original description

What's New in Credit Card Tracker

1.5.1

September 13, 2026

- 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.

More

Subscription plans

CardStack+

Track your credit card benefits & credits automatically

$12.991 Month
7 Days trial
How to cancel Credit Card Tracker subscription ⁉️
1

In-App Purchases

$239.99

CardStack+ Lifetime

One-time purchase for lifetime CardStack+ access.

Charts

Top Grossing

📉 104-17

Finance

This app dropped -17 positions in Finance chart.

Last updated on September 24, 2026.

Events

Read more about CardStack for iOS 27

CardStack for iOS 27

Ask Siri about your cards, credits and points.

Sep 14, 2026 Oct 15, 2026

User reviews

Fantastic

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!

Great Interface and Easy to Use!

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!

Response from developer

Glad to hear you are finding CardStack easy to use! I appreciate the review and thanks again for being a CardStack member! Adam,

Very easy to use and super helpful

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

Response from developer

Glad to hear! Thank you so much!

Free money

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

Response from developer

That's amazing! Thanks for sharing!

Great app

Missing U.S. bank altitude go card :(

Response from developer

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!

FAQ

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.