Credit Card Tracker vs ChurnLogic
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/
ChurnLogic
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ChurnLogic is your command center for credit card rewards. Whether you're chasing your first signup bonus or juggling a dozen cards, it tracks the things that actually cost you money to forget: minimum-spend deadlines, annual fee dates, and when you're eligible for your next card. WHAT IT DOES • Add cards your way. Auto-import from a credit report to build your list in seconds, or add cards by hand from our catalog. Importing is always optional. • Never miss a deadline. Automatic reminders for minimum-spend windows and annual fee dates, so you keep the bonus and cut the fees you don't want. • Smart next-card picks. Personalized recommendations based on the cards you already hold and your goals. • Spend tracking. See exactly how much more you need to spend to hit each signup bonus. • 5/24 awareness. Know where you stand before you apply. • Downgrade options. Find product-change paths to avoid annual fees without closing accounts. • Learn the game. Built-in guides on bonuses, transfer partners, and rewards strategy. PRIVATE BY DESIGN Your credit report is parsed entirely on your device, and we never store your SSN or full account numbers. Prefer not to import one? Add all your cards manually instead. The import is completely optional.
Screenshots
Verdict
The clearest difference is in-app purchases: ChurnLogic at none against Credit Card Tracker's 3. ChurnLogic also leads on iOS requirement (15.1 vs 17.0). Credit Card Tracker's advantage is chart position (#199 vs unranked) and update cadence (fortnightly vs monthly). On price, ads 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
Both are free to download. Credit Card Tracker sells 3 in-app purchases, starting at $12.99 per month. ChurnLogic asks for nothing beyond the download.
Credit Card Tracker ships an update fortnightly, ChurnLogic monthly. The most recent releases landed on October 17, 2026 and October 6, 2026 respectively.
| Parameter | Credit Card Tracker | ChurnLogic |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (47 ratings) — better | — |
| Positive reviews | 94.4% of reviews | — |
| Number of ratings | 47 — better | — |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | — |
| Best chart rank | #199 — better | — |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 252 MB | 31 MB |
| Age rating | 4+ | 4+ |
| Developer | SPACE ROBOTS INC | ChurnLogic LLC |
In-app purchases
Credit Card Tracker
- CardStack+7 Days trial$12.991 Month
- CardStack+7 Days trial$89.991 Year
- CardStack+ Lifetime$239.99
ChurnLogic
No in-app purchases
Questions
Is Credit Card Tracker free?
Is ChurnLogic free?
Do Credit Card Tracker or ChurnLogic have ads?
Which is updated more often, Credit Card Tracker or ChurnLogic?
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