Comparison

Credit Buddy vs ScoreMiles

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

Head to head
About

Credit Buddy

Track credit card perks, statement credits, and loyalty points without sharing bank logins. Optimize spending categories and plan point transfers for maximum value. Get reminders for expiring benefits and annual fees.

Highlights
  • Track statement credits and annual perks
  • Monitor points, miles, and redemptions
  • Plan and compare loyalty program transfers
  • Optimize spending categories with wallet optimizer
  • Set reminders for expiring benefits
  • Household sharing for read-only access
Features
Read full description

Premium credit cards come with a stack of statement credits: a monthly ride credit, a quarterly dining credit, a yearly airline fee credit, and more. They're easy to forget, and every one you miss makes the annual fee harder to justify. Credit Buddy keeps track of them for you. Pick your cards and every credit, reset date and fee date fills in on its own. No bank login, nothing to type. TRACKER Opens with a short brief of what's worth using this week and how to use it. Every credit shows what's left this month, quarter or year, including partial amounts. Credits that need enrollment remind you until you've used them once. CARDS See how much of each annual fee you've earned back this card year, what's still left to claim, and how many days until the fee posts again. Open a card for its recovery dashboard and a timeline for every credit: used, partly used, missed or still available, period by period. Long-press any credit to edit, hide or reset it. REWARDS Track points and miles across Membership Rewards, Ultimate Rewards, ThankYou, Capital One, Bilt, and airline and hotel programs, with what they're worth in cash. TOOLS The Wallet Optimizer tells you which card to use for dining, groceries, travel and more. Transfers finds the best way to move points to an airline or hotel partner, including current transfer bonuses. The Points Calculator tells you whether a redemption is a good deal. ON YOUR HOME SCREEN Widgets in every size show what's expiring, and you can check off a credit right from the widget without opening the app. A Points Balances widget shows your points and what they're worth. Ask Siri what's expiring or mark a credit used, hands-free. BUILT FOR IPHONE DUO AND IPAD Unfold iPhone Duo and Cards, Rewards and Tools show your list on one side and the details on the other, while Tracker lays your credits out in a grid beside the brief. iPad gets the same layouts. Folded, it's the iPhone app you'd expect. ALSO INSIDE • A card catalog covering Amex, Chase, Citi, Capital One, Bilt and most major issuers, kept current as terms change • Import a statement PDF or screenshot to check off credits you've already used • Auto-log for credits that renew on a schedule, like streaming • Added a card mid-year? Catch up on what you've already used, without double-counting • Reminders before a credit expires and before an annual fee posts • Share your year as an image • True Black dark mode • Household Mirror: give a partner a live, read-only view of your wallet with one private link PRIVATE BY DESIGN No bank logins, no Plaid, no account to create. Your cards stay on your device and in your own iCloud. Optional analytics are off by default and never include your cards, balances or amounts. FREE, WITH ONE OPTIONAL UPGRADE Free for up to 3 cards and 3 reward accounts, with the full Tracker, fee recovery, reminders, widgets, Points Calculator and Transfers. A one-time Credit Buddy+ purchase unlocks unlimited cards and accounts, the full Wallet Optimizer and card recommendations, custom categories, calendar sync, Household Mirror and advanced notifications. No subscription. Credit Buddy is independent and not affiliated with any card issuer or rewards program. All trademarks belong to their respective owners.

About

ScoreMiles

This app helps you track and grade loyalty point redemptions for flights and hotels. It calculates the value of your points and provides insights into your spending habits. Evaluate potential bookings before you commit and export detailed reports.

Highlights
  • Track loyalty point redemptions
  • Grade redemption value
  • Calculate value before booking
  • View stats and analytics
  • Export PDF reports
  • Scan booking confirmations
Features
Read full description

ScoreMiles helps you track and grade every loyalty points redemption so you know exactly what your points are worth. Most travelers never know if they got good value from their points. Was that business class flight worth 110,000 miles? Was that Hyatt redemption actually better than paying cash? ScoreMiles answers these questions instantly. TRACK EVERY REDEMPTION Log flights, hotels, and other redemptions across all your loyalty programs. See your points used, cash value, amount saved, and cents per point for every booking. PROGRAM-AWARE GRADING Every redemption gets a grade — Excellent, Great, Good, Weak, or Poor — based on real benchmarks for each loyalty program. 1.5¢ means different things for Hyatt vs Hilton. ScoreMiles knows the difference. CALCULATE BEFORE YOU BOOK Use the calculator to evaluate a redemption before you commit. Enter your points, retail value, and fees to instantly see if it's worth it. STATS & ANALYTICS See your lifetime points used, total saved, average CPP, best and worst redemptions, and performance by program, cabin class, and trip. EXPORT & SHARE Generate beautiful PDF reports of any trip to share with travel companions or keep for your records. SCAN DOCUMENTS Snap a photo of any booking confirmation and ScoreMiles auto-fills the redemption details for you. ScoreMiles Pro unlocks unlimited trips, the calculator, stats, PDF export, and document scanning. Free plan includes 2 trips and 10 redemptions. Terms of Use: https://scoremiles.app/terms.html Privacy Policy: https://scoremiles.app/privacy.html

Screenshots

Credit Buddy4 screens
ScoreMiles4 screens

Verdict

The call

The clearest difference is iOS requirement: ScoreMiles at 15.1 against Credit Buddy's 26.0. 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. Credit Buddy sells 1 one-off in-app purchase and ScoreMiles sells 2 in-app purchases, starting at $6.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Credit Buddy against 5.0 for ScoreMiles. Both are backed by a comparable volume of ratings — 1 and 2 respectively.

UpkeepUpdate frequency

Credit Buddy ships an update every 10 days, ScoreMiles every 6 days. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard1 real difference · 8 level
Credit Buddy versus ScoreMiles: the parameters behind the verdict, then further details
ParameterCredit BuddyScoreMiles
PriceFreeFree
Rating5.0 (1 ratings)5.0 (2 ratings)
Number of ratings12 — better
Update frequencyEvery 10 daysEvery 6 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS26.015.1 — better
Further details — not scored
Size17 MB46 MB
Age rating4+4+
DeveloperJustin ColemanZAHRA BAYRAMZADEH

In-app purchases

1 purchases

Credit Buddy

One-time1
  • Credit Buddy+$9.99
2 purchases

ScoreMiles

Subscriptions2
  • ScoreMiles Pro7 Days trial$6.991 Month
  • ScoreMiles Pro7 Days trial$59.991 Year

Questions

Is Credit Buddy free?
Credit Buddy is free to download, with in-app purchases available.
Is ScoreMiles free?
ScoreMiles is free to download, with in-app purchases available.
Which has better reviews, Credit Buddy or ScoreMiles?
Credit Buddy and ScoreMiles are both rated 5.0 out of 5 on the App Store, from 1 and 2 ratings respectively.
Do Credit Buddy or ScoreMiles have ads?
Neither Credit Buddy nor ScoreMiles shows ads.
Which is updated more often, Credit Buddy or ScoreMiles?
Credit Buddy ships an update every 10 days, and ScoreMiles every 6 days. Most recently, Credit Buddy was updated on October 24, 2026 and ScoreMiles on October 25, 2026.

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