Comparison

Valo | Benefit Tracking vs PerkTracker

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

Head to head
About

Valo | Benefit Tracking

Automatically track and maximize your credit card benefits. Get smart reminders and suggestions to ensure you're getting the most value from your premium cards. Understand your spending and benefit usage with clear dashboards.

Highlights
  • Automatic benefit monitoring
  • Smart expiry reminders
  • Benefit usage suggestions
  • Value dashboards
  • Supports Amex and Chase cards
Features
Read full description

Premium credit card membership fees have skyrocketed. They provide thousands of dollars in potential value, but require constant attention to ensure you're getting your money's worth. Leave that to Valo. Valo connects to your credit card provider and automatically monitors your progress on redeeming your credit card benefits. It gives you smart reminders when a benefit is due to expire and you haven't used it, along with helpful suggestions on how to use the benefits. Valo also provides you with dashboards to understand the value you're getting out of your credit cards. Valo is an independent third-party app and is not affiliated with, endorsed by, or sponsored by any credit card providers. Currently, Valo supports: - American Express Platinum Card® - American Express® Gold Card - Chase Sapphire Reserve® - with more to come Valo requires a subscription to use. Try it for free for 14 days. After that, pay $5 every three months or $15 every year for continued use. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://valo.cards/privacy

About

PerkTracker

Effortlessly manage and maximize your credit card benefits. This app automatically organizes your perks, sends expiration alerts, and provides a clear overview of all your card benefits in one place.

Highlights
  • Smart perk tracking by category and issuer
  • Expiration and renewal alerts
  • Clean and simple interface
  • Flexible perk management (mark as used, add custom)
  • Multi-card support
  • Automatic updates
Features
Read full description

PerkTracker helps you easily track, organize, and maximize the value of your credit card perks. Stop losing money from unused credits, forgotten benefits, or expired offers. PerkTracker brings all your perks together and keeps everything up to date—automatically. Key Features • Smart Perk Tracking Automatically organizes your card benefits by category, issuer, and renewal cycle. Quickly see what’s active, what’s expiring soon, and what you’ve already used. • Expiration & Renewal Alerts Get reminders before perks expire, so you never miss monthly or annual credits again. • Clean, Simple Interface A minimal and intuitive design makes it easy to view all your perks at a glance—no clutter, no confusion. • Flexible Perk Management Mark perks as used, skipped, or inactive. Add custom perks, edit details, or note special terms. • Multi-Card Support Track perks across all your cards in one place. Great for maximizing value across Amex, Chase, Citi, and more. Why PerkTracker? Credit card perks can be valuable, but they’re easy to forget. PerkTracker ensures you get the maximum value from every card you own—effortlessly.

Screenshots

Valo | Benefit Tracking4 screens
PerkTracker3 screens

Verdict

The call

The clearest difference is monetization model: PerkTracker at free against Valo | Benefit Tracking's subscription. Valo | Benefit Tracking's advantage is iOS requirement (13.0 vs 17.6). On price, rating, ratings volume and update cadence 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Valo | Benefit Tracking against 5.0 for PerkTracker. Both are backed by a comparable volume of ratings — 5 and 2 respectively.

UpkeepUpdate frequency

Valo | Benefit Tracking ships an update every 3 weeks, PerkTracker monthly. The most recent releases landed on October 11, 2026 and September 30, 2026 respectively.

Scorecard2 real differences · 8 level
Valo | Benefit Tracking versus PerkTracker: the parameters behind the verdict, then further details
ParameterValo | Benefit TrackingPerkTracker
PriceFreeFree
Rating5.0 (5 ratings)5.0 (2 ratings)
Positive reviews100.0% of reviews—
Number of ratings5 — better2
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationSubscriptionFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS13.0 — better17.6
Further details — not scored
Size76 MB8 MB
Age rating4+4+
DeveloperCredit Card Buddy, LLCCindysFamily LLC

Customer experience

Valo | Benefit Tracking

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

PerkTracker

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

In-app purchases

None

Valo | Benefit Tracking

No in-app purchases

None

PerkTracker

No in-app purchases

Questions

Is Valo | Benefit Tracking free?
Valo | Benefit Tracking is free to download, with no in-app purchases.
Is PerkTracker free?
PerkTracker is free to download, with no in-app purchases.
Which has better reviews, Valo | Benefit Tracking or PerkTracker?
Valo | Benefit Tracking and PerkTracker are both rated 5.0 out of 5 on the App Store, from 5 and 2 ratings respectively.
Do Valo | Benefit Tracking or PerkTracker have ads?
Neither Valo | Benefit Tracking nor PerkTracker shows ads.
Which is updated more often, Valo | Benefit Tracking or PerkTracker?
Valo | Benefit Tracking ships an update every 3 weeks, and PerkTracker monthly. Most recently, Valo | Benefit Tracking was updated on October 11, 2026 and PerkTracker on September 30, 2026.

Other comparisons