Comparison

Credit Card Tracker vs Banjo

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

Head to head
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
Read full description

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/

About

Banjo

Features
Read full description

Stop forgetting what you're paying for. Banjo shows you exactly how much you spend on subscriptions — every month, every year — laid out simply so nothing gets missed. WHAT YOU CAN DO • Add all your subscriptions in seconds • See your exact yearly and monthly totals at a glance • Get reminders before renewals hit your account • Track spending by category — streaming, fitness, software, and more • View insights on where your money actually goes BUILT FOR AUSTRALIA Pre-loaded with Australian services — Stan, Kayo, Binge, and dozens more — so you're set up in seconds. AUD by default, with full multi-currency support. PRIVATE BY DESIGN No bank linking. No account required. All subscription data stays on your device. FREE & PRO The core app is free — track up to 5 subscriptions, get renewal reminders, see your totals. Upgrade to Banjo Pro ($1.99/month or $9.99/year) for unlimited subscriptions, home screen widgets, spending insights, and iCloud sync. From seysolutions — also try Debt Payoff Planner to tackle the debt those subscriptions aren't helping with. Terms of Use: https://seysolutions.com.au/apps-terms Privacy Policy: https://seysolutions.com.au/apps-privacy

Screenshots

Credit Card Tracker4 screens
Banjo4 screens

Verdict

The call

The clearest difference is chart position: Credit Card Tracker at #166 against Banjo's unranked. On price, ads, in-app purchases and device support 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 and Banjo sells 2 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

Scorecard1 real difference · 10 level
Credit Card Tracker versus Banjo: the parameters behind the verdict, then further details
ParameterCredit Card TrackerBanjo
PriceFreeFree
Rating4.5 (53 ratings) — better—
Positive reviews94.4% of reviews—
Number of ratings53 — better—
Update frequencyFortnightly—
AdsNoNo
In-app purchasesYesYes
MonetizationFreemium—
Best chart rank#166 — better—
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.017.0
Further details — not scored
Size258 MB27 MB
Age rating4+4+
DeveloperSPACE ROBOTS INCJack Dempsey

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
2 purchases

Banjo

Subscriptions2
  • Banjo Pro - Monthly$0.991 Month
  • Banjo Pro - Yearly$5.991 Year

Questions

Is Credit Card Tracker free?
Credit Card Tracker is free to download, with in-app purchases available.
Is Banjo free?
Banjo is free to download, with in-app purchases available.
Do Credit Card Tracker or Banjo have ads?
Neither Credit Card Tracker nor Banjo shows ads.

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