Comparison

Credit Card Tracker vs Mint Budget

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

Mint Budget

Manage your spending, budgets, subscriptions, and bills effortlessly. Track credit card perks, net worth, and savings goals with automatic categorization and smart notifications. Offers a secure, private, and ad-free experience.

Highlights
  • All-in-one financial dashboard
  • Automatic expense tracking
  • Smart budgeting with notifications
  • Subscription and bill reminders
  • Credit card benefits tracking
  • Investment tracking (Premium+)
  • AI financial coach (Premium+)
Features
Currently charting
Read full description

Get more from your money — and every credit card you own. Mint is a personal finance app designed to be calm, private, and effortless. Manage spending, budgets, subscriptions, bills, net worth, and credit card perks other apps ignore. No ads, no data selling — just read-only bank access through Plaid. Connect your bank and Mint handles the busywork: transactions categorize themselves, recurring subscriptions are detected, card payments are tracked, and timely reminders keep you ahead of every due date, welcome bonus, and expiring benefit. FEATURES • SEE EVERYTHING IN ONE PLACE — Bank accounts, balances, spending, investments, and net worth on one clean dashboard. • AUTOMATIC EXPENSE TRACKING — Every transaction is categorized the moment it syncs, so you always know where your money goes. • SMART BUDGETS — Create monthly budgets, watch your progress, and get notified before you overspend. • SUBSCRIPTION TRACKER — Recurring charges are detected automatically, with an alert when one raises its price. • WELCOME BONUS TRACKER — Track qualifying spend toward your card's sign-up bonus and never miss the deadline. • CARD BENEFITS TRACKER — Stay on top of statement credits, travel credits, dining credits, anniversary perks, and other valuable benefits before they expire. • AUTOMATIC CARD PAYMENT TRACKING (Premium+) — Statement balances, minimum payments, and due dates pulled straight from your bank. Reminders before every payment and an early warning if your checking account may not cover what's due. • BILL REMINDERS — Never miss another due date. • SAVINGS GOALS — Set a target, build the habit, watch it grow. • INVESTMENT TRACKING (Premium+) — Track your investments alongside the rest of your finances. • AI COACH (Premium+) — Ask questions about your own spending, budgets, and habits, and get personalized answers based on your own financial data. • SMART NOTIFICATIONS — Bills, price hikes, unusual charges, budget limits, payment reminders. Only the alerts that matter. • PRIVATE & SECURE — Read-only bank connections through Plaid, Face ID / Touch ID app lock, no ads, and your data is never sold. • TRY BEFORE YOU CONNECT — Demo Mode opens every feature with sample data. No account, no bank link. • IPHONE, IPAD & MAC — One seamless experience across your Apple devices, with full Dark Mode. PLANS Min Premium — $6.99/month or $59.99/year • Bank linking with automatic transaction syncing • All budgeting, subscription, bonus, and benefit tracking Min Premium+ — $9.99/month or $79.99/year Everything in Premium, plus: • Investment Tracking • AI Coach • Automatic Card Payment Tracking • 14-day free trial on annual plans. • Coverage: thousands of US banks and credit unions via Plaid. Available in the US only. • Subscriptions renew automatically unless canceled. Cancel anytime in your App Store settings. Learn more: minbudget.net Privacy Policy: https://minbudget.net/privacy.html Terms of Use: https://minbudget.net/terms.html

Screenshots

Credit Card Tracker4 screens
Mint Budget4 screens

Verdict

The call

The clearest difference is rating: Mint Budget at 5.0 against Credit Card Tracker's 4.5. Mint Budget also leads on chart position (#182 vs unranked) and update cadence (weekly vs fortnightly). Credit Card Tracker's advantage is ratings volume (53 vs 2). 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 Mint Budget sells 4 in-app purchases, starting at $6.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Mint Budget 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 2, 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 Mint Budget's.

UpkeepUpdate frequency

Credit Card Tracker ships an update fortnightly, Mint Budget weekly. Both last shipped on October 28, 2026.

Scorecard5 real differences · 6 level
Credit Card Tracker versus Mint Budget: the parameters behind the verdict, then further details
ParameterCredit Card TrackerMint Budget
PriceFreeFree
Rating4.5 (53 ratings)5.0 (2 ratings) — better
Positive reviews94.4% of reviews100.0% of reviews — better
Number of ratings53 — better2
Update frequencyFortnightlyWeekly — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
Best chart rank—#182 — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.015.1 — better
Further details — not scored
Size258 MB45 MB
Age rating4+4+
DeveloperSPACE ROBOTS INCMin Budget LLC

Customer experience

Credit Card Tracker

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

Mint Budget

All ratings2 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
4 purchases

Mint Budget

Subscriptions4
  • Premium Monthly$6.991 Month
  • Premium+ Monthly$9.991 Month
  • Premium Yearly14 Days trial$59.991 Year
Show 1 more
  • Premium+ Yearly14 Days trial$79.991 Year

Questions

Is Credit Card Tracker free?
Credit Card Tracker is free to download, with in-app purchases available.
Is Mint Budget free?
Mint Budget is free to download, with in-app purchases available.
Which has better reviews, Credit Card Tracker or Mint Budget?
Mint Budget is rated higher. Credit Card Tracker averages 4.5 out of 5 from 53 ratings, while Mint Budget averages 5.0 from 2 ratings.
Do Credit Card Tracker or Mint Budget have ads?
Neither Credit Card Tracker nor Mint Budget shows ads.
Which is updated more often, Credit Card Tracker or Mint Budget?
Credit Card Tracker ships an update fortnightly, and Mint Budget weekly. Most recently, Credit Card Tracker was updated on October 28, 2026 and Mint Budget on October 28, 2026.

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