Comparison

Pay with Rewards vs NextRenew Subscription Tracker

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Pay with Rewards

This app lets you use your Mastercard rewards points like cash at millions of locations. Connect your card, set redemption preferences, and receive statement credits when you use your points for purchases.

Highlights
  • Spend points like cash
  • Connect Mastercard card
  • Configure redemption settings
  • Receive statement credits
  • View points balance
  • Secure PIN protection
Features
Read full description

Mastercard Pay with Rewards is only available on certain Mastercard cards. Please check with your issuer of your card for availability. Pay with Rewards allows you to spend your points like cash at millions of participating locations worldwide. This app allows you to connect a Mastercard card and configure when and where your points will be redeemed. When using your card, your payment is processed as normal. If you choose to redeem points you will receive a statement credit to your card. Getting Started * Connecting your card to the Pay with Rewards app is simple: enter your Pay with Rewards-enabled Mastercard card number and establish a four digit app PIN. The PIN will be used by the app to protect your personal settings and information. * Answer the security questions. Your questions are based on information your financial institution has on file. Select any one question from the list. If you have questions or are not able to proceed, please contact the issuer of your card. * The home screen will show your points balance, the cash equivalent of your points balance, and your current Pay with Rewards setting. Turn Pay with Rewards on for subsequent purchases, or leave it off and choose from recent purchases eligible for redemption under Activity.

About

NextRenew Subscription Tracker

Read full description

NextRenew is a private subscription tracker that lets you add subscriptions by voice and brings back why you subscribed when it is time to renew. No bank connection or inbox access. No account required. Your subscription data stays on your device unless you choose to sync it. ADD A SUBSCRIPTION IN SECONDS • Speak naturally — “Netflix, 199 rupees monthly” becomes an editable draft • NextRenew extracts the service, amount, billing cycle and reason for you to review • Or choose from a catalog of popular services with details prefilled • Voice Quick Add is included on every plan STAY AHEAD OF RENEWALS • See what renews in the next 30 days and what it will cost • Get reminders before upcoming renewal dates • Track trials and set reminders before they end • Open cancellation information for supported services UNDERSTAND YOUR SPENDING • See monthly and yearly totals across your subscriptions • Understand where your money goes with category breakdowns • Follow spending trends over time • Forecast upcoming subscription costs REMEMBER WHY YOU SUBSCRIBED Save the reason behind a subscription, such as client work, entertainment or a free trial. Before renewal, NextRenew brings that reason back and gives you options to keep or review the subscription. PRIVACY BY DEFAULT NextRenew never asks for bank logins, card details or inbox access. Voice input is transcribed on your device, and NextRenew does not store voice recordings. Your subscription data remains on your device unless you enable iCloud sync. FREE Track up to 3 subscriptions with Voice Quick Add, standard renewal reminders and basic spending totals included. PRO Unlock unlimited subscription tracking, advanced insights, custom smart reminders, trial mode, long-term forecasts, iCloud sync and backup, and CSV/JSON data export. YEARLY OR LIFETIME Choose a yearly subscription or a one-time Lifetime purchase. Both options unlock the same Pro features. Lifetime does not renew. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel subscriptions in your Apple Account settings. Privacy Policy: https://sites.google.com/view/nextrenew-help/privacy-policy Terms of Use: https://sites.google.com/view/nextrenew-help/terms-of-service

Screenshots

Pay with Rewards4 screens
NextRenew Subscription Tracker4 screens

Verdict

The call

The clearest difference is in-app purchases: Pay with Rewards at none against NextRenew Subscription Tracker's 3. Pay with Rewards also leads on iOS requirement (13.0 vs 15.0). NextRenew Subscription Tracker's advantage is update cadence (every 2 weeks vs every 2 months). On price, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. NextRenew Subscription Tracker sells 3 in-app purchases, starting at $3.99 per month. Pay with Rewards asks for nothing beyond the download.

UpkeepUpdate frequency

Pay with Rewards ships an update every 2 months, NextRenew Subscription Tracker every 2 weeks. The most recent releases landed on October 21, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 7 level
Pay with Rewards versus NextRenew Subscription Tracker: the parameters behind the verdict, then further details
ParameterPay with RewardsNextRenew Subscription Tracker
PriceFreeFree
Rating4.2 (77 ratings) — better—
Positive reviews5.7% of reviews—
Number of ratings77 — better—
Update frequencyEvery 2 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size56 MB35 MB
Age rating4+4+
DeveloperMastercard International IncorporatedVedant Solanki

Bugs and requests

Pay with Rewards

Reported bugs

4 issues
  • One-time passcode delivery issues
  • Stuck on terms and conditions screen
  • White screen or crashes on launch
  • Randomly logs out users and requires re-registration

Requested features

3 requests
  • Ability to view transaction history and points earned per purchase
  • Option to redeem rewards through website instead of just the app
  • Improved stability and consistency across updates

NextRenew Subscription Tracker

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Pay with Rewards

No in-app purchases

3 purchases

NextRenew Subscription Tracker

Subscriptions2
  • NextRenew Pro (Monthly)$3.991 Month
  • NextRenew Pro (Annual)$5.991 Year
One-time1
  • NextRenew Pro (Lifetime)$10.99

Questions

Is Pay with Rewards free?
Pay with Rewards is free to download, with no in-app purchases.
Is NextRenew Subscription Tracker free?
NextRenew Subscription Tracker is free to download, with in-app purchases available.
Do Pay with Rewards or NextRenew Subscription Tracker have ads?
Neither Pay with Rewards nor NextRenew Subscription Tracker shows ads.
Which is updated more often, Pay with Rewards or NextRenew Subscription Tracker?
Pay with Rewards ships an update every 2 months, and NextRenew Subscription Tracker every 2 weeks. Most recently, Pay with Rewards was updated on October 21, 2026 and NextRenew Subscription Tracker on October 25, 2026.

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