Credit Card Tracker vs Control
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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/
Control
An elegant budgeting app designed for clarity and control over your finances. It offers features like voice transaction entry, bill splitting, and AI-powered financial insights. Track expenses, manage multiple jobs, and monitor investments with beautiful reports.
- Apple Pay transaction import
- Voice transaction entry
- Split bills
- AI-powered financial insights
- Investment tracking
- Shared budgets
- Receipt scanning
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Control is an elegant budgeting app designed for clarity without complexity. Its beautifully crafted interface makes managing finances feel magical. • Apple Pay transaction import • Bank notification transaction import • Add transactions by voice • Split bills when adding a transaction • Groceries list with Live Activity • Travel Mode for trip expense tracking • Work page to track hours, shifts, and pay across multiple jobs • Net worth and portfolio tracking, with prices you update yourself • Live Activities and Dynamic Island support • Ask AI - instant financial insights powered by AI • Apple Watch • Business page • Credit cards • Debt tracker • Past trips page • Wishlist shopping page • Quit Tracker for breaking habits • Interest rate for your bank deposits • Receipt scanning with camera • Add transactions by sharing a receipt, email, or webpage • Monthly/weekly/yearly and category budgets with visual progress • Investments transactions • Beautiful reports and spending insights • Wrapped - your year in review summary • Recurring payments and installment tracking • Home Screen and Lock Screen widgets • Multiple currency support with conversion • Tags for organizing transactions • Siri Shortcuts • Custom budget start day • Rollover budget • Photos for transactions • Custom budget start day • Variable recurring payments amount • Appearance customization with themes and gradients • Shared Budgets via iCloud • iCloud backup • Face ID • No ads, no tracking, no data collection Take control of your finances today. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is rating: Credit Card Tracker at 4.6 against Control's 4.0. Credit Card Tracker also leads on chart position (#104 vs unranked) and ratings volume (47 vs 8). Control's advantage is monetization model (free vs freemium) and update cadence (every 3 days vs fortnightly). On price, review sentiment, ads and in-app purchases 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. Credit Card Tracker sells 3 in-app purchases, starting at $12.99 per month and Control sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.
Credit Card Tracker holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: Credit Card Tracker has 47 ratings behind it against 8, so its average is the more settled of the two. Written reviews split almost evenly too, at 94% and 95% positive.
Credit Card Tracker ships an update fortnightly, Control every 3 days. The most recent releases landed on September 21, 2026 and September 23, 2026 respectively.
| Parameter | Credit Card Tracker | Control |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (47 ratings) — better | 4.0 (8 ratings) |
| Positive reviews | 94.4% of reviews | 94.7% of reviews — better |
| Number of ratings | 47 — better | 8 |
| Update frequency | Fortnightly | Every 3 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free — better |
| Best chart rank | #104 — better | — |
| Devices | iPhone, iPad | iPhone, Mac, Apple Watch — better |
| Requires iOS | 17.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 252 MB | 58 MB |
| Age rating | 4+ | 4+ |
| Developer | SPACE ROBOTS INC | Alex Patrick Palacean |
Customer experience
Credit Card Tracker
Control
In-app purchases
Credit Card Tracker
- CardStack+7 Days trial$12.991 Month
- CardStack+7 Days trial$89.991 Year
- CardStack+ Lifetime$239.99
Control
- Control Club$3.991 Month
- Lifetime payment$11.99





