# Symphony vs Credit Card Tracker

The clearest difference is in-app purchases: Symphony at none against Credit Card Tracker's 3. Symphony also leads on rating (4.9 vs 4.5) and update cadence (every 4 days vs fortnightly). On price, review sentiment, ratings volume and ads there is nothing between them.

Both are free to download. Credit Card Tracker sells 3 in-app purchases, starting at $12.99 per month. Symphony asks for nothing beyond the download.

Symphony holds the better App Store score, 4.9 against 4.5. Both are backed by a comparable volume of ratings — 118 and 53 respectively. Written reviews point the same way: 97% of Symphony's written reviews are positive against 94% of Credit Card Tracker's.

Symphony ships an update every 4 days, Credit Card Tracker fortnightly. Both last shipped on October 31, 2026.

## The numbers

| Metric | Symphony | Credit Card Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (118 ratings)](https://appshunter.io/ios/app/symphony-save-and-earn/id6758022445/reviews)** | [4.5 (53 ratings)](https://appshunter.io/ios/app/credit-card-tracker-cardstack/id6759270863/reviews) |
| Number of ratings | **118** | 53 |
| Positive reviews | **97.3% of reviews** | 94.4% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 4 days** | Fortnightly |
| Monetization | **Free** | Freemium |
| Size | 131 MB | 258 MB |
| Requires iOS | **15.1** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [Symphony Labs Inc.](https://appshunter.io/developer/1870361385) | [SPACE ROBOTS INC](https://appshunter.io/developer/1877786048) |

## What reviewers say

### Symphony

[App page](https://appshunter.io/ios/app/symphony-save-and-earn/id6758022445)

This app offers high-yield savings accounts with up to 5% APY and rewards points on every dollar saved. It's fully automated, allowing users to grow their money effortlessly and redeem points for various perks. Designed for financial wellness, it provides a clear, real-time view of savings growth.

**Highlights:** Up to 5% APY on savings, Earn reward points on every dollar saved, Fully automated savings growth, Redeem points for travel, experiences, gift cards, No fees or minimums, Instant withdrawals, Real-time growth tracking

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


### Credit Card Tracker

[App page](https://appshunter.io/ios/app/credit-card-tracker-cardstack/id6759270863)

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:** macOS Compatibility, Safari Extension, Apple Wallet, Vision Pro support, iPhone Duo support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| CardStack+ | $12.99 | per month |
| CardStack+ | $89.99 | per year |
| CardStack+ Lifetime | $239.99 | one-time |


## Frequently asked questions

### Is Symphony free?

Symphony 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.

### Which has better reviews, Symphony or Credit Card Tracker?

Symphony is rated higher. Symphony averages 4.9 out of 5 from 118 ratings, while Credit Card Tracker averages 4.5 from 53 ratings.

### Do Symphony or Credit Card Tracker have ads?

Neither Symphony nor Credit Card Tracker shows ads.

### Which is updated more often, Symphony or Credit Card Tracker?

Symphony ships an update every 4 days, and Credit Card Tracker fortnightly. Most recently, Symphony was updated on October 31, 2026 and Credit Card Tracker on October 31, 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.*