Valo | Benefit Tracking vs PerkTracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Automatic benefit monitoring
- Smart expiry reminders
- Benefit usage suggestions
- Value dashboards
- Supports Amex and Chase cards
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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
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | Valo | Benefit Tracking | PerkTracker |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (5 ratings) | 5.0 (2 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 5 — better | 2 |
| Update frequency | Every 3 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Subscription | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 13.0 — better | 17.6 |
| Further details — not scored | ||
| Size | 76 MB | 8 MB |
| Age rating | 4+ | 4+ |
| Developer | Credit Card Buddy, LLC | CindysFamily LLC |
Customer experience
Valo | Benefit Tracking
PerkTracker
In-app purchases
Valo | Benefit Tracking
No in-app purchases
PerkTracker
No in-app purchases
Questions
Is Valo | Benefit Tracking free?
Is PerkTracker free?
Which has better reviews, Valo | Benefit Tracking or PerkTracker?
Do Valo | Benefit Tracking or PerkTracker have ads?
Which is updated more often, Valo | Benefit Tracking or PerkTracker?
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