# CardStack vs Cardly

The clearest difference is in-app purchases: Cardly at none against CardStack's 3. Cardly also leads on iOS requirement (15.0 vs 17.0). CardStack's advantage is chart position (#109 vs unranked). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. CardStack sells 3 in-app purchases, starting at $12.99 per month. Cardly asks for nothing beyond the download.

CardStack ships an update every 2 weeks, Cardly every 9 days. The most recent releases landed on November 9, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | CardStack | Cardly |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (53 ratings)](https://appshunter.io/ios/app/cardstack-credit-card-tracker/id6759270863/reviews)** | — |
| Number of ratings | **53** | — |
| Positive reviews | 94.4% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 9 days** |
| Monetization | Freemium | — |
| Best chart rank | **#109** | — |
| Size | 259 MB | 2 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [SPACE ROBOTS INC](https://appshunter.io/developer/1877786048) | [Fabien Barcelo](https://appshunter.io/developer/1896520822) |

## What reviewers say

### CardStack

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

**Currently charting:** #109 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, iPhone Duo support

**In-app purchases (3)**

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


### Cardly

[App page](https://appshunter.io/ios/app/cardly-points-and-cards/id6792184178)

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

**In-app purchases:** none


## Frequently asked questions

### Is CardStack free?

CardStack is free to download, with in-app purchases available.

### Is Cardly free?

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

### Do CardStack or Cardly have ads?

Neither CardStack nor Cardly shows ads.

### Which is updated more often, CardStack or Cardly?

CardStack ships an update every 2 weeks, and Cardly every 9 days. Most recently, CardStack was updated on November 9, 2026 and Cardly on November 6, 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.*