Comparison

Cardpture vs Credit Card Tracker

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

Head to head
About

Cardpture

Effortlessly manage your credit card benefits and perks in one place. Get timely reminders before they expire, understand which benefits are most valuable, and avoid missing out on savings. Your data remains private on your device.

Highlights
  • Track credit card benefits
  • Benefit expiration reminders
  • Identify unused perks
  • View card value
  • Manage unlimited cards
  • Flexible reminder schedules
Features
Read full description

Cardpture — Beat your card’s coupon book Credit card benefits shouldn’t feel like a coupon book you forget to use. Cardpture helps you track credit card perks, credits, and benefits in one simple place — so you know what you used, what you missed, and what’s about to expire. No bank login. No account needed. Cardpture does not connect to your bank or credit card accounts. What Cardpture helps you do: • Keep track of all your credit card benefits • Get reminders before benefits expire • See which cards deliver the most value • Understand which benefits often go unused • Reduce wasted perks without extra effort Your data stays on your device. No sign-ups. No syncing transactions. Free features: • Add and manage unlimited credit cards • View benefit details and availability • Simple reminders Premium features: • Flexible reminder schedules • Used vs missed benefit insights • Best and worst performing cards • Expiring benefit tracking Subscription is optional. Cardpture remains usable without upgrading. Cardpture does not provide financial advice and does not access bank accounts or transaction data. Privacy Policy: https://cardpture.pages.dev/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Credit Card Tracker

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.

Highlights
  • 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
Features
Read full description

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/

Screenshots

Cardpture4 screens
Credit Card Tracker4 screens

Verdict

The call

The clearest difference is rating: Cardpture at 5.0 against Credit Card Tracker's 4.5. Credit Card Tracker's advantage is ratings volume (53 vs 2). On price, update cadence, ads and in-app purchases 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. Cardpture sells 6 in-app purchases, starting at $1.99 per month and Credit Card Tracker sells 3 in-app purchases, starting at $12.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Cardpture holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: Credit Card Tracker has 53 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on October 14, 2026 and October 28, 2026 respectively.

Scorecard2 real differences · 8 level
Cardpture versus Credit Card Tracker: the parameters behind the verdict, then further details
ParameterCardptureCredit Card Tracker
PriceFreeFree
Rating5.0 (2 ratings) — better4.5 (53 ratings)
Positive reviews—94.4% of reviews
Number of ratings253 — better
Update frequencyFortnightlyFortnightly
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhoneiPhone, iPad — better
Requires iOS18.117.0 — better
Further details — not scored
Size28 MB258 MB
Age rating4+4+
DeveloperFuchun YehSPACE ROBOTS INC

Customer experience

Cardpture

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Credit Card Tracker

All ratings53 ratings
Positive90.6%
Neutral0.0%
Negative9.4%
Written reviews18 reviews
Positive94.4%
Neutral0.0%
Negative5.6%

In-app purchases

6 purchases

Cardpture

Subscriptions2
  • Monthly Premium1 Month trial$1.991 Month
  • Annual Premium1 Month trial$19.991 Year
One-time4
  • Donation $1.99$1.99
  • Donation $4.99$4.99
  • Donation $9.99$9.99
Show 1 more
  • Donation $19.99$19.99
3 purchases

Credit Card Tracker

Subscriptions2
  • CardStack+7 Days trial$12.991 Month
  • CardStack+7 Days trial$89.991 Year
One-time1
  • CardStack+ Lifetime$239.99

Questions

Is Cardpture free?
Cardpture is free to download, with in-app purchases available.
Is Credit Card Tracker free?
Credit Card Tracker is free to download, with in-app purchases available.
Which has better reviews, Cardpture or Credit Card Tracker?
Cardpture is rated higher. Cardpture averages 5.0 out of 5 from 2 ratings, while Credit Card Tracker averages 4.5 from 53 ratings.
Do Cardpture or Credit Card Tracker have ads?
Neither Cardpture nor Credit Card Tracker shows ads.
Which is updated more often, Cardpture or Credit Card Tracker?
Cardpture ships an update fortnightly, and Credit Card Tracker fortnightly. Most recently, Cardpture was updated on October 14, 2026 and Credit Card Tracker on October 28, 2026.

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