Comparison

CardBrain vs A2O Portfolio

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

Head to head
About

CardBrain

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Get more value from every card in your wallet. Premium credit cards can include statement credits, category bonuses, travel protections, and other perksβ€”but remembering what is available, what you have used, and which card to choose can be difficult. CardBrain brings your wallet into one clear, private dashboard on iPhone and iPad. Track benefits, compare perks, choose the best card for a purchase, and see whether annual fees are paying for themselves. TRACK BENEFITS Follow monthly, quarterly, semiannual, annual, and multi-year statement credits. Mark a benefit as used or enter a partial amount to see what remains before it resets. FIND THE BEST CARD Search a store or select a spending category to see which card in your wallet is likely to earn the most. Categories include dining, groceries, gas, travel, online shopping, rental cars, and foreign purchases. UNDERSTAND YOUR REAL ANNUAL COST CardBrain calculates effective annual fees using the benefits you have actually redeemed. Review the math by card and use the wallet value audit to make more confident renewal decisions. COMPARE PERKS AND PROTECTIONS Review rental car coverage, trip delay, cell phone protection, purchase protection, extended warranty, foreign transaction fees, and more across your cards. STAY ORGANIZED Add card open dates and private notes for retention offers, downgrade plans, referral bonuses, or anything else you want to remember. You can also add custom benefits. BUILT FOR IPHONE AND IPAD Use a streamlined phone experience or take advantage of spacious iPad dashboards, split views, and side-by-side card details. 230+ CARDS SUPPORTED Explore a growing catalog from major U.S. and Canadian issuers, including American Express, Chase, Capital One, Citi, Bilt, Bank of America, Wells Fargo, U.S. Bank, Discover, and more. CARDBRAIN PRO CardBrain is free to start. The optional CardBrain Pro upgrade adds reminders for expiring credits, card anniversaries, and free-night certificates, plus wallet value audit tools. Choose an annual auto-renewable subscription or a lifetime unlock. PRIVACY FIRST No bank login. No advertising. Your selected cards, benefit progress, notes, reminders, and preferences stay on your device. CardBrain uses RevenueCat to manage purchases and fetches public card catalog data over HTTPS so card information can stay current. CardBrain is not affiliated with any card issuer or payment network. Benefit terms change frequently; always confirm current details with your issuer before making financial decisions. CardBrain Pro Annual renews automatically unless canceled at least 24 hours before the end of the current period. Payment is charged to your Apple ID. Manage or cancel in App Store subscription settings. Prices vary by region and are displayed before purchase. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://becky2019.github.io/creditbrain/privacy-policy.html

About

A2O Portfolio

Features
Read full description

A2O Portfolio is a portfolio tracker built around one idea: you make better decisions when someone you trust can see what you see. TRACK EVERYTHING IN ONE PLACE - Add holdings across multiple portfolios and watch total net worth update live - 24-hour change and full profit and loss on every position - Clean allocation and performance views built for a phone - Privacy mode blurs every balance with one tap BRING IN A MENTOR - Give a mentor or supervisor read access to a portfolio β€” and revoke it any time - They comment directly on the portfolio, in context, not in a separate chat app - Receive change suggestions you can accept or decline - Every grant is explicit; nothing is shared until you share it STAY ON TOP OF IT - Alerts for mentor comments, suggestions and notable moves - Share links and email invitations for read-only access - Activity history so you can see what changed and when BUILT FOR PRIVACY - Portfolios are private by default - No ads, no advertising identifiers, no cross-app tracking - Delete your account and all of its data from inside the app at any time A2O Portfolio is a tracking and collaboration tool. It is not a broker or an exchange, it never holds your funds, and nothing in the app is financial advice. Terms of Use: https://a2oportfolio.com/terms Privacy Policy: https://a2oportfolio.com/privacy

Screenshots

CardBrain4 screens
A2O Portfolio4 screens

Verdict

The call

The clearest difference is in-app purchases: A2O Portfolio at none against CardBrain's 6. A2O Portfolio also leads on iOS requirement (15.0 vs 17.0). On price, ads and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. CardBrain sells 6 in-app purchases, starting at $14.99 per year. A2O Portfolio asks for nothing beyond the download.

Scorecard2 real differences Β· 4 level
CardBrain versus A2O Portfolio: the parameters behind the verdict, then further details
ParameterCardBrainA2O Portfolio
PriceFreeFree
Update frequencyEvery 10 daysβ€”
AdsNoNo
In-app purchasesYesNo β€” better
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.015.0 β€” better
Further details β€” not scored
Size19 MB14 MB
Age rating4+4+
DeveloperYishu GuStrategy Trader Inc.

In-app purchases

6 purchases

CardBrain

Subscriptions1
  • CardBrain Pro Annual7 Days trial$14.991 Year
One-time5
  • Small thanks$2.99
  • You're awesome$6.99
  • This app rocks$9.99
Show 2 more
  • You're a legend$14.99
  • CardBrain Pro Lifetime$29.99
None

A2O Portfolio

No in-app purchases

Questions

Is CardBrain free?
CardBrain is free to download, with in-app purchases available.
Is A2O Portfolio free?
A2O Portfolio is free to download, with no in-app purchases.
Do CardBrain or A2O Portfolio have ads?
Neither CardBrain nor A2O Portfolio shows ads.

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