# Valo | Benefit Tracking vs CardBrain

The clearest difference is in-app purchases: Valo | Benefit Tracking at none against CardBrain's 6. Valo | Benefit Tracking also leads on iOS requirement (13.0 vs 17.0). CardBrain's advantage is update cadence (every 10 days vs every 3 weeks). On price, ads and device support there is nothing between them.

Both are free to download. CardBrain sells 6 in-app purchases, starting at $14.99 per year. Valo | Benefit Tracking asks for nothing beyond the download.

Valo | Benefit Tracking ships an update every 3 weeks, CardBrain every 10 days. The most recent releases landed on October 11, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Valo | Benefit Tracking | CardBrain |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (5 ratings)](https://appshunter.io/ios/app/valo-benefit-tracking/id6754577827/reviews)** | — |
| Number of ratings | **5** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 10 days** |
| Monetization | Subscription | — |
| Size | 76 MB | 19 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Credit Card Buddy, LLC](https://appshunter.io/developer/1849025490) | [Yishu Gu](https://appshunter.io/developer/1891227083) |

## What reviewers say

### Valo | Benefit Tracking

[App page](https://appshunter.io/ios/app/valo-benefit-tracking/id6754577827)

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:** Apple Wallet

**In-app purchases:** none


### CardBrain

[App page](https://appshunter.io/ios/app/cardbrain-benefit-tracker/id6761742264)

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| CardBrain Pro Annual | $14.99 | per year |
| Small thanks | $2.99 | one-time |
| You're awesome | $6.99 | one-time |
| This app rocks | $9.99 | one-time |
| You're a legend | $14.99 | one-time |
| CardBrain Pro Lifetime | $29.99 | one-time |


## Frequently asked questions

### Is Valo | Benefit Tracking free?

Valo | Benefit Tracking is free to download, with no in-app purchases.

### Is CardBrain free?

CardBrain is free to download, with in-app purchases available.

### Do Valo | Benefit Tracking or CardBrain have ads?

Neither Valo | Benefit Tracking nor CardBrain shows ads.

### Which is updated more often, Valo | Benefit Tracking or CardBrain?

Valo | Benefit Tracking ships an update every 3 weeks, and CardBrain every 10 days. Most recently, Valo | Benefit Tracking was updated on October 11, 2026 and CardBrain on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*