# Credit Card Tracker: CardStack — Rewards, Points & Cashback > AI-powered credit card rewards and savings tracker. (iPhone/iPad app by SPACE ROBOTS INC.) - Source: https://appshunter.io/ios/app/credit-card-tracker-cardstack/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 42 App Store ratings · 18 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 112 MB - Languages: American English - Released: 2026-03-10 - Data updated: 2026-08-29 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/credit-card-tracker-cardstack/id6759270863/reviews.md ## What is Credit Card Tracker? 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. Stop leaving money on the table. Start with CardStack. FEATURES: - 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 - #194 in Top Grossing · Finance (US App Store) ## Recent user reviews (10 of 18) All indexed reviews: https://appshunter.io/ios/app/credit-card-tracker-cardstack/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! ### 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 Credit Card Tracker ### 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) ### 1.5.0 — 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. ### 1.4.2 — 2026-06-16 This update makes CardStack faster to set up, better at tracking your credits, and more reliable day to day. • Redesigned onboarding A faster, more personal first run that shows the credits and rewards you may be not be redeeming, with questions tailored to the cards in your wallet. • Stay signed in Fixed the issue that could unexpectedly sign you out or show “Session Expired.” Active users should now stay signed in. • Smarter bank connections The Linked Accounts screen is cleaner, connection issues are easier to spot, and you can reconnect or add accounts with one tap without creating duplicates. • Better credit tracking A new “Left to Use” section shows credits you’ve only partially used. Dollar-based credits, like Equinox and Uber One, now count toward their full annual cap. Auto-tracking is also more accurate, and duplicate annual-fee reminders are fixed. • More cards and refreshed benefits Added cards from Wells Fargo, U.S. Bank, TD, Target, PayPal, Mission Lane, Crate & Barrel, and CB2. Also refreshed Chase Sapphire Preferred for 2026 and corrected benefits and fees on several existing cards. • More polished design Refreshed alerts and badges, new glass toolbars, and a redesigned connection detail screen. • Improved browser extension Better rewards estimates and more polished Amex and Chase offer widgets. Bug fixes and performance improvements ### 1.4.1 — 2026-05-31 New in 1.4.1 • Refreshed look — a new app icon and a cleaner card detail screen with redesigned benefits and clearer card recommendations. • Rewards earned, at a glance. Each card now shows the points, miles, or cash back you've earned this year. • Track airline certificates, hotel certificates, hotel status, car rental status, and lounge visits. • Minimum-spend credits stay locked until you hit the required spend. With CardStack+ and linked accounts, we track your transactions and notify you when the credit unlocks. Without a linked account, tap "I've already hit this — unlock it." • Add expiration dates for airline and hotel certificates. • Log lounge visits with an optional dollar value. • Add card anniversary dates for credits that reset on your anniversary — and more credits now show the correct expiration date when your anniversary is set. • Smarter automatic credit tracking from linked transactions, with a full year of history when you link a new account for the first time. • Fewer expiring-credit notifications, now bundled instead of sent one by one. • Better credit match accuracy, including fixes for false matches like Google One and Uber One. • Faster, smoother performance across heavier screens. • Bug fixes based on community reports. ### 1.4.0 — 2026-05-19 New AI insights. Rebuilt ROI math. A faster, sharper CardStack. Stack AI Insights flags when another card in your stack would've earned more, with a redesigned Swipes tab, clearer earned-vs-missed breakdowns, and stronger Fix My Stack picks. We also rebuilt CardStack ROI to be more precise and more honest. Home and per-card math now share the same fee-anniversary calculation, first-year credits count toward your first annual fee, and Net Fee Offset shows at a glance whether a card is paying for itself. Tap "How is this calculated?" on any card to see the math. Also in 1.4.0: smarter credit filtering and linked-account review, transfer bonus alerts, richer Points Tracker program details, steadier extension pairing, better Amex and Chase offer matching, premium card updates, and a faster, cleaner app throughout. ### 1.3.1 — 2026-05-04 - Pairing got smarter — link Chrome, Safari on Mac, and Safari on iPhone all at the same time. And unlinking the extension no longer signs you out of the app (oops, sorry). - New "Best Card For" lists at Hilton, Marriott, Hyatt, IHG, Amazon, Whole Foods, Costco, and Lyft. United Club now earns 5x on United. CSR earns 4x on hotels (8x via Chase Travel) and 5x on Lyft. - Smarter credit matching: Uber rides count toward the United Club rideshare credit. NYT and WSJ count toward Plat digital entertainment. - $0 perks like Priority Pass can be marked Activated. Bilt semiannual credits show the right cap and don't go "fully used" after half a year. - Refreshed card art across 14+ cards, plus a fresh accuracy pass against issuer pages on the Platinum, Bilt family, CSR (Personal + Business), Citi Strata, Amex Green/Gold/Biz Gold, United Club, and ~40 more. - Squashed a gazillion bugs. ## Related topics [credit card tracker](https://appshunter.io/ios/topics/credit-card-tracker) · [ronoth tracker](https://appshunter.io/ios/topics/ronoth-tracker) · [bonus credit](https://appshunter.io/ios/topics/bonus-credit) · [credit card tracker points](https://appshunter.io/ios/topics/credit-card-tracker-points) --- *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 2026-08-29.*