# Credit Card Tracker—ValueStack — Which card to use, fee tracker > Credit card benefit tracker and optimal card selection tool. (iPhone/iPad app by Tom Van De Putte.) - Source: https://appshunter.io/ios/app/credit-card-trackervaluestack/id6792502891 (this page in markdown: same URL + `.md`) - Developer: [Tom Van De Putte](https://appshunter.io/developer/6792502893) - Category: Finance, Utilities - Price: Free with in-app purchases - Rating: 5.00/5 from 3 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 16.4 · 30 MB - Languages: American English, Japanese, Brazilian Portuguese, European Spanish - Released: 2026-08-16 - Data updated: 2026-10-31 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/credit-card-trackervaluestack/id6792502891/reviews.md ## What is Credit Card Tracker? Built by Tom Van De Putte, an independent developer. Which card should you use for this? And are your cards still worth their fees? ValueStack answers both from the cards you actually hold: it tracks every credit, free night and lounge pass before it expires, shows whether each fee is paying for itself, and tells you which card to reach for at a checkout. No account. No bank logins. Free for two cards. WHICH CARD, RIGHT NOW Pick what you're paying for — a trip, dinner, groceries, fuel, rent — and add the rough amount. For each line you get one card from your wallet and the arithmetic behind it: the earn rate, any open credit or free night the purchase would draw down, and the published cover that applies. A trip can come back as three cards: flight, hotel, car. It knows which rates only apply through the card's own travel site, and says so when it lacks the data instead of guessing. SET UP IN UNDER A MINUTE Pick your country and type a card name. Its fee, credits and benefits are filled in for you: 432 cards across eleven countries (US, UK, Canada, Australia, India, Singapore, Belgium, Brazil, Mexico, Japan, UAE), in your own currency and in English, Portuguese, Spanish or Japanese. Not listed? Add it by hand and track it the same way. CHECK OFF AS YOU GO Used your dining credit this month? Tap it. Credits reset themselves when a new period starts. Started mid-year? A catch-up control marks the periods you've already used. The Overview then shows what you've captured this year against what you've paid, per card and across your wallet, counted only from what you checked off. NOTHING EXPIRES UNNOTICED Everything unused is sorted by what resets soonest, with a countdown on each. Lounge visits, free nights and companion vouchers are tracked per card, and a voucher you've earned counts as money the next time Which Card sees a purchase it could pay for. ON YOUR HOME SCREEN, ON EVERY DEVICE A widget shows your open credits and the next reset without opening the app. Turn on iCloud sync and your iPhone and iPad share one wallet, through your own iCloud account. We never see it. PRIVATE BY DESIGN • Everything stays on your device, or in your own iCloud if you choose to sync • No account, no sign-in, no bank connection • Nothing is shared with anyone: no analytics SDKs, no advertising, no tracking It also exports to a file you keep, and restores on any device. FREE AND PLUS Free for up to two cards, with full tracking: credits, benefits, catch-up, expiry sorting, Which Card and the fee math. ValueStack Plus adds unlimited cards, reminders before a credit resets, iCloud sync and the widget, as a monthly or annual subscription or a one-time lifetime purchase. If a subscription lapses, nothing is deleted or hidden. A year of Plus costs less than one forgotten $15 monthly credit. A NOTE ON ACCURACY Card terms change often. Built-in amounts and earn rates are starting points: every value is editable, so confirm current terms with your issuer. ValueStack is a personal tracking tool, not financial advice, and has no relationship with any card issuer. VALUESTACK PLUS SUBSCRIPTION • ValueStack Plus Monthly: $1.99 per month • ValueStack Plus Annual: $14.99 per year, with a 7-day free trial for new subscribers Prices are shown in your local currency, and the exact amount appears in the app before you buy. Payment is charged to your Apple Account at confirmation of purchase. A subscription renews automatically at the same price unless it is cancelled at least 24 hours before the end of the current period. Manage or cancel your subscription in your Apple Account settings at any time. Any unused portion of a free trial is forfeited if you buy a subscription during the trial period. ValueStack Plus is also available as a one-time lifetime purchase, which is not a subscription and does not renew. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://tomvdp12.github.io/valuestack-privacy/ ## Key features - Optimal card selection for purchases - Fee and benefit value assessment - Credit and lounge pass tracking - Expiration date monitoring - Home screen widget - iCloud sync - Manual card entry ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | ValueStack Plus | $14.99 | per year | | ValueStack Plus | $1.99 | per month | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | ValueStack Plus Lifetime | $49.99 | one-time | ## Is Credit Card Tracker safe? Not enough ratings yet to assess Credit Card Tracker. ## Is Credit Card Tracker legit? Credit Card Tracker—ValueStack has limited verification signals. The AppsHunter Legitimacy Score for Credit Card Tracker is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/credit-card-trackervaluestack/id6792502891/reviews.md ### 5/5 — No Data Needed! *2026-10-24* Appreciated the ability to check out card benefits whilst maintaining my privacy, I didn’t have to share any transactional data or connect bank accounts ### 5/5 — Easy to use credit card tracker *2026-10-03* I love the privacy aspect; easy to add all my cards what helps me in deciding what card to use . ### 5/5 — Finally, an app that values privacy! ⭐⭐⭐⭐⭐ *2026-09-04* I’ve been looking for a tool to manage my credit card perks without handing over sensitive personal data, and ValueStack hits the mark perfectly. The fact that it runs entirely locally on your device without linking to your credit card info or financial accounts gives complete peace of mind. It makes keeping track of monthly credits, annual fees, and expiring perks straightforward and completely secure. You can see instantly whether you're coming out ahead on your cards without worrying about data tracking or leaks. Highly recommended for anyone who wants to stay on top of their benefits while keeping their information private! ## Frequently asked questions about Credit Card Tracker ### How many cards can I track for free with Credit Card Tracker? Credit Card Tracker is free for up to two cards, offering full tracking of credits, benefits, and expiry sorting. For more than two cards, you can upgrade to ValueStack Plus. ### Does Credit Card Tracker require bank logins? No, Credit Card Tracker is designed with privacy in mind and does not require any account creation, sign-in, or bank connections. All data stays on your device or in your iCloud if you choose to sync. ### What countries does Credit Card Tracker support? Credit Card Tracker supports 432 cards across eleven countries: US, UK, Canada, Australia, India, Singapore, Belgium, Brazil, Mexico, Japan, and UAE. You can also add unlisted cards manually. ### How does Credit Card Tracker help me choose which card to use? You can input your purchase details (e.g., trip, groceries) and the amount, and Credit Card Tracker will show you which card offers the best earn rate, considering available credits and benefits for that specific purchase. ### What are the benefits of ValueStack Plus? ValueStack Plus offers unlimited card tracking, reminders before credits reset, iCloud sync, and a home screen widget. It is available as a monthly or annual subscription, or a one-time lifetime purchase. ### How often is Credit Card Tracker updated? The app was last updated on October 29, 2026, indicating regular maintenance and updates. The latest version is 2.4. ### Is Credit Card Tracker suitable for children? Credit Card Tracker has an age rating of 4+, making it suitable for a wide audience. Its features are focused on personal finance management. ### Does Credit Card Tracker have ads? No, Credit Card Tracker is ad-free. The developer has stated that nothing is shared with anyone, including analytics SDKs, advertising, or tracking. ## Version history (last 5 releases) ### 2.4 — 2026-10-29 • Credits used in part: press and hold a credit's circle to enter what you spent. The rest stays open to use. • Mark used from a reminder, without opening the app. Reminders now roll on to the next period by themselves. • Fees covered: when your ticks cover a card's fee for the year, see the date and share it. • Ticks keep the value they had, even if a credit's amount changes later. • A calmer, redesigned look on iPhone and iPad, and full-screen iPhone Duo support. • Card terms checked again in October: hundreds of updates, and 57 new cards in 11 countries (3 in the US). • Benefits you delete no longer flag a card as changed. • Fixed: in light mode the status bar could show white. ### 2.3 — 2026-10-21 • Siri: “Mark my Uber Cash as used in ValueStack” ticks a credit off, or logs a lounge visit, and says where the card stands against its fee. • Fee this year: mark a card's fee as waived, discounted or paid in full. • Purchases in instalments, spread over the statements they're billed on. • Payment due reminders, three days before each due date. • United Arab Emirates: 32 cards, with fees counted with VAT. • Search My Cards by any word in a credit's name. • Fixed: Add to Calendar now writes its entries. ### 2.2 — 2026-10-02 • Spend goals: track welcome-bonus spend, fee waivers and spend-unlocked vouchers, with what's left and the deadline. • Statement dates: add the day each statement closes and is due. Goals count by statement, and Which Card shows when a purchase is billed and due. • Siri: "Log spending in ValueStack" and "Log a statement in ValueStack" record amounts without opening the app. • A cleaner wallet, an organised Discover tab, and a widget you can tick credits off from. ### 2.1 — 2026-09-21 There's a new tab: Which Card. Pick what you're about to pay for — a trip, dinner, groceries, fuel, rent — and it tells you which of your cards to use, line by line, with the math showing: the earn rate, any open credit or free night the purchase would use up, and the cover that applies. It asks which airline or hotel when that changes the answer, and it says so when it doesn't have the data rather than guessing. Also in 2.1: • iCloud sync between your iPhone and iPad, through your own iCloud (optional) • A home-screen widget with your open credits and the next reset • A proper iPad layout • Free nights and companion vouchers you've earned now count as money — mark a spend-threshold voucher as earned on My Cards and Which Card will use it • Corrected earn rates on a dozen US cards and the three Bilt cards, and a fuel category that didn't exist before ### 2.0.1 — 2026-09-16 Perks outside the US now count. Lounge visits, dining vouchers and hotel memberships on UK, Canadian, Australian, Japanese, Indian, Brazilian, Mexican, Singaporean and Belgian cards now carry a value, so they feed the break-even maths instead of sitting there as a note. Amex Japan Platinum is corrected: the 2-for-1 dining benefit closed on 30 June, and Global Dining Cashback is now 50% capped at 20,000 yen per half-year. ValueStack also asks for a rating at a moment that has actually earned it, and runs correctly on iOS 27. ## Apps similar to Credit Card Tracker | App | Rating | Price | Category | | --- | --- | --- | --- | | [PayperWIZ: Credit Card Rewards](https://appshunter.io/ios/app/payperwiz-credit-card-rewards/id6803055530) | — | Free | Finance | | [Private Crypto Tracker](https://appshunter.io/ios/app/private-crypto-tracker/id6811144181) | 5.0 (1) | Free | Finance | | [Credit Buddy](https://appshunter.io/ios/app/credit-buddy/id6758679736) | 5.0 (1) | Free | Finance | | [Glass Cap CC](https://appshunter.io/ios/app/glass-cap-cc/id1343319587) | 2.0 (1) | Free | Finance | | [KasCash: Credit Card Tracker](https://appshunter.io/ios/app/kascash-credit-card-tracker/id6774424329) | — | Free | Finance | | [Emerald24 UK](https://appshunter.io/ios/app/emerald24-uk/id6787034494) | — | Free | Finance | ## More apps by Tom Van De Putte - [Emberwick: Relaxing Arcade](https://appshunter.io/ios/app/emberwick-relaxing-arcade/id6796141772) All apps by Tom Van De Putte: https://appshunter.io/developer/6792502893 ## Related topics [ebt card tracker](https://appshunter.io/ios/topics/ebt-card-tracker) · [credit card tracker points](https://appshunter.io/ios/topics/credit-card-tracker-points) · [debit card tracker](https://appshunter.io/ios/topics/debit-card-tracker) · [helzberg credit card](https://appshunter.io/ios/topics/helzberg-credit-card) --- *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 2026-10-31.*