FairOption vs CardPointers for Credit Cards
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FairOption
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WELCOME to the FairOption App *** THE GOLD STANDARD OPTION PRICING CALCULATOR (Since 2014) *** Version 3.2 is a super-powerful, easy-to-use option pricing tool completely rewritten using Apple's latest SwiftUI framework, and now available for numerous Apple devices including iPhone, Mac, iPad and Apple Watch. All versions include syncing of your securities data across all Apple platforms you purchase the App. See screenshots here for the main features, and website video for more detail. If you are someone who wants the best option pricing software on the top and most secure Apple platform, then you can do no better than use the FairOption App. FEATURES and BENEFITS: - Fast Option Pricing in a fully interactive, two-way scrollable grid. - Works great in Light and Dark Modes (Plus in Landscape and Portrait orientations on iPhone and iPad). - Greeks are displayed (with descriptions) by a single tap on any option result. - Auto Syncing of securities between your Apple devices. (The App is supplied per-platform) - Comprehensive Help document covering all app features and settings. - Binomial and Black-Scholes pricing models are included. (The Binomial has an adjustable number of calculation steps and is more suited to American exercise-style options. The Black-Scholes-Merton model is better for pricing European options and is adapted for dividend-paying securities) - Included Continuously Compounded Interest Rate calculator for input of the risk-free interest rate parameter. (Extensive explanation contained within help document) - Automatic strike price intervals that can be easily overridden with 1 tap. - Editable default template for all new securities. - Numerous utilities, including for import/export of securities data to a local file (in JSON or CSV format) for spreadsheet analysis, or backup/restore purposes. - Added Demo data utility: to help you get 'up-to-speed' using the 'Quick Start Guide'. - Test Calc mode to set a fixed amount of time to expiry for test and comparison purposes. - No 'in-app' purchases. (It's already 'All-in-there'!) - Designed by main Developer with over 30 years' experience of developing financial and option pricing software. *** Whether you are a Pro Trader, or someone just starting out learning about options, you will find FairOption to be an invaluable tool *** WHAT'S NEW in VERSION 3.2: - Ability to sync across all Apple device platforms you purchase the app - Complete rewrite using SwiftUI (The framework first introduced by Apple in 2019) - Import/Export of Securities data (This facilitates independent local backup and restore via the JSON file format) - Included Demo Data utility for testing and familiarity purposes. - All Option results tables are scrollable in both directions on all devices and fully interactive - Short-term Weeklys and longer-term LEAPS option expiry variants are specifically catered for - Improved, faster switching between Call and Put option results, but whilst still maintaining the current expiry and strike price selection - Included Continuously Compounded Interest Rate Calculator for easy calculation of the risk-free interest rate parameter - Editable default template for all new securities SUPPORT We welcome feedback and suggestions concerning FairOption. Please contact us at support@FairOption.com if you have any problems Our Terms of use: https://www.fairoption.com/terms.php Our Privacy Policy: https://www.fairoption.com/privacy.php Apple's Licence Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
CardPointers for Credit Cards
Maximize your credit card rewards by automatically tracking category bonuses and offers. Get real-time recommendations for the best card to use at stores and online, and easily manage your offers. Save money and earn more points, cashback, and miles daily.
- Automatic category bonus tracking
- Real-time card recommendations
- Offer management and activation
- Siri and chatbot integration
- Location-based store suggestions
- Safari web extension for online shopping
- Apple Watch app
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CardPointers will save you money and earn you more cash back, points, and miles every day by maximizing your card's category bonuses, offers, and welcome bonuses. More than 1 million users use CardPointers to help them automatically save over $750 every year! The app automatically tracks every category bonus and recurring bank credits from over 5,000 credit cards and helps you auto-add and use your Amex, Chase, Bank of America, Citibank, Wells Fargo, and US Bank offers to save even more money every day. Make sure you're using your best card every time to maximize your points: ask Siri, "CardPointers here", and you'll immediately know which of your cards to use at the store that you're in to maximize your points or cashback, all without even opening the app -- because no one wants to be the person holding up the line. Wish you had a chatbot which knows everything about your cards and offers? Now you do! Say "Siri, ask CardPointers", and it will answer any question you have about your wallet. Turn on AutoPilot from the app or a shortcut and it will automatically use your location to tell you your best card (or offer) as you go from store to store. Safely and securely, as no location information ever leaves your device. If you use have cards with Amex, Chase, BoA, Citi, Wells Fargo, or US Bank, you'll have access to 100s of offers with in-app auto-syncing, which adds all of your offers for you across all of your cards while you sleep. Your credentials are always stored safely, on-device. Thanks to the Safari Web Extension, you'll even know which card to use while shopping on the web thanks to integrated Shopping Pointers, with support for thousands of merchant sites. There's even a great Apple Watch app which shows you your best card at nearby stores. Whether you're new to credit cards and "travel hacking" or you already have 20+ credit cards to your name, this is the app to help you earn tens of thousands more points, miles, and cash back every year, and ensure that you always have the best cards available in your wallet. All without having to sacrifice your privacy thanks to the largest database of credit cards available. CardPointers integrates all of the latest Apple features, including: - Designed for Liquid Glass with full resizability - Fully integrated with Siri AI and Visual Intelligence - AutoPilot uses Live Activities to show you the best card to use for each store as you travel, and will automatically appear on your Apple Watch + CarPlay - Widgets of every size, including XL - New integrations into Spotlight for all of your cards and offers, plus new App Intents and Shortcuts - New controls and configurable widgets for Apple Watch - Interactive widgets and snippets let you redeem offers, navigate your pointers, and more, from your home screen & lock screen - Passkeys by default to further protect your account - Location Reminders using native region-based notifications stored solely on-device - Safari Web Extension (Shopping Pointers and automatic Offers Activation) - Full accessibility for VoiceOver and voice control support - Extensive keyboard support - Fully independent Watch app with rich complication family support + widgets You don't even need to launch the app to be able to quickly get the information that you need, thanks to the integrated lock screen widgets, app shortcuts, donated intents which show up in the system search for any matching category, Spotlight search, and quick action menus from the home screen. Over 5,000 cards from 900 different banks are fully supported across the world, and if any are missing you can add them yourself, in any country. Here are just some of the banks which are supported: Chase American Express (AmEx) Citibank Discover Capital One Goldman Sachs Bank of America (BofA) Barclaycard Synchrony Bank Wells Fargo US Bank Target Bank USAA -- Privacy Policy: https://cardpointers.com/privacy/ Terms of Use: https://cardpointers.com/terms/
Screenshots
Verdict
The clearest difference is price: CardPointers for Credit Cards at Free against FairOption's $17.99. CardPointers for Credit Cards also leads on update cadence (every 5 days vs every 23 months) and chart position (#33 vs unranked). FairOption's advantage is in-app purchases (none vs 15). On ads and iOS requirement 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
CardPointers for Credit Cards is free to download; FairOption costs $17.99 up front. CardPointers for Credit Cards sells 14 in-app purchases, starting at $6.99 per month. FairOption asks for nothing beyond the download.
FairOption ships an update every 23 months, CardPointers for Credit Cards every 5 days. The most recent releases landed on May 15, 2026 and September 25, 2026 respectively.
| Parameter | FairOption | CardPointers for Credit Cards |
|---|---|---|
| Price | $17.99 | Free — better |
| Rating | — | 4.7 (10K ratings) — better |
| Positive reviews | — | 79.1% of reviews |
| Number of ratings | — | 10K — better |
| Update frequency | Every 23 months | Every 5 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | — | Free with in-app purchases |
| Best chart rank | — | #33 — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod, Mac, Apple Watch, Vision Pro — better |
| Requires iOS | 16 | 15.0 — better |
| Further details — not scored | ||
| Size | 6 MB | 113 MB |
| Age rating | 4+ | 4+ |
| Developer | Miles Hitcham | CardPointers LLC |
Bugs and requests
FairOption
Not enough reviews yet to summarise bugs or requests.
CardPointers for Credit Cards
Reported bugs
2 issues- Inconsistent data across devices
- Inability to edit card details
Requested features
3 requests- Location-based card recommendations
- Ability to adjust bonus categories
- Option to track multiple cards of the same type
In-app purchases
FairOption
No in-app purchases
CardPointers for Credit Cards
- CardPointers+3 Days trial$6.991 Month
- CardPointers+3 Days trial$7.991 Month
- CardPointers+1 Month trial$9.991 Month
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- CardPointers+3 Days trial$59.991 Year
- CardPointers+7 Days trial$59.991 Year
- CardPointers+7 Days trial$71.991 Year
- CardPointers+1 Year trial$89.991 Year
- Tiny Tip$0.99
- Small Tip$1.99
- Medium Tip$4.99
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- Large Tip$9.99
- CardPointers+ (Lifetime)$139.99
- CardPointers+ (Lifetime)$199.99
- CardPointers+ (Lifetime)$239.99
Questions
Is FairOption free?
Is CardPointers for Credit Cards free?
Do FairOption or CardPointers for Credit Cards have ads?
Which is updated more often, FairOption or CardPointers for Credit Cards?
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