Comparison

US Credit Card Tracker 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

US Credit Card Tracker

Features
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Credit Card Tracker helps you keep track of unused rewards, upcoming annual fees, and whether a card is still worth keeping — without creating an account or sending your data anywhere. What you can track • Unused credit card rewards • Annual fee due dates • Whether a card is worth keeping or downgrading • Multiple cards, all in one place Designed for people who want clarity, not complexity. Private by design • No account • No login • No servers • No data collection All data stays on your device and syncs only through your own iCloud. Completely free • No ads • No subscriptions • No hidden fees The app is free to use. Optional referral links may be shown for cards you choose to explore, but tracking your cards is always free. If you want a simple, private way to track your credit cards and make better decisions, Credit Card Tracker is built for you.

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
Currently charting
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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

US Credit Card Tracker4 screens
Credit Card Tracker4 screens

Verdict

The call

The clearest difference is in-app purchases: US Credit Card Tracker at none against Credit Card Tracker's 3. Credit Card Tracker's advantage is chart position (#104 vs unranked). On price, ads, device support and iOS requirement 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. Credit Card Tracker sells 3 in-app purchases, starting at $12.99 per month. US Credit Card Tracker asks for nothing beyond the download.

Scorecard2 real differences · 9 level
US Credit Card Tracker versus Credit Card Tracker: the parameters behind the verdict, then further details
ParameterUS Credit Card TrackerCredit Card Tracker
PriceFreeFree
Rating4.6 (47 ratings) — better
Positive reviews94.4% of reviews
Number of ratings47 — better
Update frequencyFortnightly
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFreemium
Best chart rank#104 — better
DevicesiPhoneiPhone, iPad — better
Requires iOS17.017.0
Further details — not scored
Size13 MB252 MB
Age rating4+4+
DeveloperDLMW LLCSPACE ROBOTS INC

In-app purchases

None

US Credit Card Tracker

No in-app purchases

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 US Credit Card Tracker free?
US Credit Card Tracker is free to download, with no in-app purchases.
Is Credit Card Tracker free?
Credit Card Tracker is free to download, with in-app purchases available.
Do US Credit Card Tracker or Credit Card Tracker have ads?
Neither US Credit Card Tracker nor Credit Card Tracker shows ads.

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