CreditC Rate vs CD Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CreditC Rate
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This App lets you keep your Credit Cards Usage Rate using Card's Balances and Credit Limits in order to plan payments over Cards with the highest Rate. You only need to keep your Balance updated, then put your estimated Payment, and you’ll see how enough is such value to reduce your debt therefore your Rate. Some functions are: - Create and edit up to 10 credit cards. - Entry Balance, Credit Limits and estimated Payments. - Calculate and present overall Rate and show a list with Rate by Card. - Present a list with estimated Payments Note: This App doesn’t consider interests, purchases and other charges; so that, you have to update the Balances, after card statement is ready from your bank or financial institution, for instance.
CD Tracker
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Know what your CDs will pay you, and when. CD Tracker keeps all your certificates of deposit in one place, across banks, currencies and owners. See the interest coming each month, coupon dates that match your bank, what matures next, and your totals in US dollars. DASHBOARD • Totals invested, monthly and yearly interest, and average yield • A 12-month chart of the interest you'll receive and the principal maturing each month • Maturities coming up in the next 30 days, and CDs that need your attention COUPONS THAT MATCH YOUR BANK • Coupons paid on the start date or on a fixed day of the month, like the 30th • Pro-rated first and last coupons • Simple or compound interest; compound coupons grow as interest is added to the principal • Monthly, quarterly, semiannual, annual or at-maturity payouts • Mark coupons as received, edit any amount, and see a report for any date range EVERY DETAIL OF EVERY CD • Interest earned to date, total interest over the term and days left • Owner, tax treatment and withholding, document number and notes • Renew a matured CD in one step, optionally adding the interest to the principal MULTI-CURRENCY • Hold CDs in any currency • Totals by currency plus a combined USD view with up-to-date exchange rates REMINDERS, SYNC AND BACKUP • Maturity reminders 30, 14, 7 and 1 day before, and on the day • iCloud sync across your iPhone and iPad, through your own private iCloud account, with a live sync status • Export and restore backups from the Files app PRIVATE BY DESIGN • No account or login • No ads, analytics or tracking • Your data stays on your device and in your own iCloud account; we never see it CD TRACKER PRO A one-time purchase, with no subscription: • Unlimited CDs (the free version tracks up to 5 active CDs; redeemed CDs don't count, so renewing never uses a slot) • Widgets for your Home Screen and Lock Screen: this month's interest, upcoming coupons and your next maturity, with an option to hide amounts • Coupon reminders on the day each coupon is expected, with "Mark as Received" right from the notification • App Lock with Face ID, Touch ID or your passcode Pro is available with Family Sharing. Questions or feedback? Visit https://josesiman.com/CDTracker/support.html
Screenshots
Verdict
The clearest difference is update cadence: CD Tracker at daily against CreditC Rate's every 10 months. On price, ads, in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
CreditC Rate ships an update every 10 months, CD Tracker daily. The most recent releases landed on October 13, 2026 and October 18, 2026 respectively.
| Parameter | CreditC Rate | CD Tracker |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 10 months | Daily — better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 18.0 | 18.0 |
| Further details — not scored | ||
| Size | 1 MB | 2 MB |
| Age rating | 17+ | 4+ |
| Developer | Agustin Contreras Hernandez | Jose Siman |
In-app purchases
CreditC Rate
No in-app purchases
CD Tracker
No in-app purchases









