# Credit Card Tracker vs Points Vault

The clearest difference is in-app purchases: Points Vault at none against Credit Card Tracker's 3. Points Vault also leads on iOS requirement (15.0 vs 17.0). Credit Card Tracker's advantage is chart position (#186 vs unranked) and update cadence (fortnightly vs monthly). On price, ads and device support there is nothing between them.

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

Credit Card Tracker ships an update fortnightly, Points Vault monthly. Both last shipped on October 17, 2026.

## The numbers

| Metric | Credit Card Tracker | Points Vault |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (47 ratings)](https://appshunter.io/ios/app/credit-card-tracker-cardstack/id6759270863/reviews)** | — |
| Number of ratings | **47** | — |
| Positive reviews | 94.4% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Freemium | — |
| Best chart rank | **#186** | — |
| Size | 252 MB | 4 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [SPACE ROBOTS INC](https://appshunter.io/developer/1877786048) | [IOAN MIHAI COSMA](https://appshunter.io/developer/1881069228) |

## What reviewers say

### Credit Card Tracker

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

**Currently charting:** #186 Top Grossing · Finance (US App Store)

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

**In-app purchases (3)**

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


### Points Vault

[App page](https://appshunter.io/ios/app/points-vault-rewards-tracker/id6759834847)

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

**In-app purchases:** none


## Frequently asked questions

### Is Credit Card Tracker free?

Credit Card Tracker is free to download, with in-app purchases available.

### Is Points Vault free?

Points Vault is free to download, with no in-app purchases.

### Do Credit Card Tracker or Points Vault have ads?

Neither Credit Card Tracker nor Points Vault shows ads.

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

Credit Card Tracker ships an update fortnightly, and Points Vault monthly. Most recently, Credit Card Tracker was updated on October 17, 2026 and Points Vault on October 17, 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.*