Comparison

Credit Card Tracker vs All About The Points

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
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

All About The Points

This app helps you track and maximize the benefits of your premium credit cards. It consolidates statement credits, perks, and expiring offers into a clear dashboard, helping you determine if your cards are worth the annual fee.

Highlights
  • Consolidated credit card benefits dashboard
  • Track statement credits and perks
  • Monitor expiring offers with countdowns
  • Home and Lock Screen widgets
  • Per-card value vs. annual fee tracking
  • Best card recommendations for spending categories
  • Private by design, no bank logins required
Features
Read full description

All About The Points turns the scattered statement credits and perks on your premium credit cards into one clear dashboard. See what you can claim this period, what is about to expire, and exactly how much value you have captured against each card's annual fee. Built for people who carry cards like the Amex Platinum, Chase Sapphire Reserve, Capital One Venture X, and more, and want to squeeze every dollar out of the fees they already pay. WHY YOU'LL LIKE IT Every credit in one place - 49 popular cards pre-loaded, plus add your own custom cards. - Monthly, quarterly, semi-annual, and annual credits tracked on the right cadence, including anniversary-based perks. - Mark a credit fully or partially used, and attach a receipt photo. Never miss an expiring credit - A running countdown shows what is about to disappear. - Home Screen and Lock Screen widgets surface your most urgent credits at a glance, fully customizable. - Optional reminders before credits expire and before each annual fee renews. Know if a card is worth keeping - A per-card value ring tracks credits captured versus the annual fee. - A year-before-renewal summary tells you how much value you got, so you can decide to keep or cancel with real numbers. Use the right card every time - A "Best For" view and widget show the best card to use for dining, travel, groceries, and more. Private by design - No bank logins, no credentials, no account required. - Your data stays on your device and syncs only through your own iCloud. - No ads, and no affiliate or referral links shaping the recommendations. Questions or feedback: chiquinhouse@gmail.com Support: https://rafaelchiquin.com/allaboutthepoints/support Privacy Policy: https://rafaelchiquin.com/allaboutthepoints/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Credit Card Tracker4 screens
All About The Points4 screens

Verdict

The call

The clearest difference is monetization model: Credit Card Tracker at freemium against All About The Points's subscription. Credit Card Tracker also leads on ratings volume (53 vs 1). All About The Points's advantage is rating (5.0 vs 4.5). 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

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 All About The Points sells 2 in-app purchases, starting at $19.99 per year. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

All About The Points holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: Credit Card Tracker has 53 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 94% of Credit Card Tracker's written reviews are positive against 100% of All About The Points's.

Scorecard3 real differences · 7 level
Credit Card Tracker versus All About The Points: the parameters behind the verdict, then further details
ParameterCredit Card TrackerAll About The Points
PriceFreeFree
Rating4.5 (53 ratings)5.0 (1 ratings) — better
Positive reviews94.4% of reviews100.0% of reviews — better
Number of ratings53 — better1
Update frequencyFortnightly—
AdsNoNo
In-app purchasesYesYes
MonetizationFreemium — betterSubscription
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.0 — better18.6
Further details — not scored
Size255 MB17 MB
Age rating4+4+
DeveloperSPACE ROBOTS INCRafael Chiquin

Customer experience

Credit Card Tracker

All ratings53 ratings
Positive90.6%
Neutral0.0%
Negative9.4%
Written reviews18 reviews
Positive94.4%
Neutral0.0%
Negative5.6%

All About The Points

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

All About The Points

Subscriptions1
  • Annual Subscription1 Year trial$19.991 Year
One-time1
  • Lifetime Purchase$49.99

Questions

Is Credit Card Tracker free?
Credit Card Tracker is free to download, with in-app purchases available.
Is All About The Points free?
All About The Points is free to download, with in-app purchases available.
Which has better reviews, Credit Card Tracker or All About The Points?
All About The Points is rated higher. Credit Card Tracker averages 4.5 out of 5 from 53 ratings, while All About The Points averages 5.0 from 1 ratings.
Do Credit Card Tracker or All About The Points have ads?
Neither Credit Card Tracker nor All About The Points shows ads.

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