Available on the App Store

Your credit cards.
Fully played.

MaxWorth is a privacy-first credit card benefits tracker: recurring credits, annual-fee ROI, card-linked offers and cashback portal rates — without connecting a bank account. Powered by AI that knows your entire card portfolio.

Download Free
25,000+
Users
300+
Cards Supported
$8,900,000
Benefits Redeemed & Tracked
6
AI Agents
Free
Under 5 Cards
Features
Built for cardholders
who want more.
Benefits Tracker
Track monthly dining credits, quarterly perks, annual travel credits. Get alerts before they expire so you never miss a dollar.
Card Portfolio
Every card, every earning rate, every annual fee — all in one clean dashboard. See your entire portfolio at a glance.
Offer Activation in One Click
Activate and sync all your Amex & Chase offers in one click via MaxWorth Chrome extension, then track these offer redemption in-app.
Nearby Merchants
See merchants near you and instantly know which of your card earns the highest cashback at each spot.
Smart Alerts
Annual fee reminders, benefit expiry alerts, and proactive notifications so you're always ahead of deadlines.
Points Tracker
Chase UR, Amex MR, Bilt, Capital One — see all your transferable points in one place with real-time valuations.
Subscription Management
Track Netflix, Spotify, gym memberships — every recurring charge. Know exactly what leaves your account each month.
Benefits Tracker
Never leave a
dollar unused.
Your Amex Gold has a $10 dining credit expiring in 3 days. Your CSR travel credit has $200 untouched. MaxWorth tracks it all — so you don't have to remember.
✓
Monthly, quarterly & annual cycle tracking
✓
Push notifications before benefits expire
✓
Usage history with annual ROI calculation
✓
Community tips from other cardholders
MaxWorth Benefits Tracker
AI-Powered
Your personal
card strategist.
Six specialized AI agents that know every card in your wallet. Ask anything — from "which card for Costco?" to "plan a Tokyo trip with my points."
🛒
Spending Optimizer — best card for any purchase
✈️
Travel Planner — points redemption strategies
📞
Retention Expert — annual fee negotiation scripts
🔄
Points Guru — transfer bonuses & sweet spots
MaxWorth AI Assistant
Dashboard
Everything you need,
at a glance.
Your personalized For You page shows total cards, annual fees, benefits used, nearby merchants with best card recommendations, and the best card for every spending category.
✓
Portfolio overview with key stats
✓
Nearby merchant best-card suggestions
✓
Best card by category at your fingertips
✓
Top card offers & expiring benefits
MaxWorth For You Dashboard
Card Portfolio
Your entire wallet,
organized.
See every card with annual fee countdown, benefits redeemed, and earning rate multipliers. Know exactly how each card is performing for you.
✓
Annual fee due dates & countdown
✓
Benefits redeemed per card
✓
Earning rate multipliers by category
✓
Full card database to explore
MaxWorth Cards Portfolio
App Preview
See it in action.

Swipe through to explore every feature of MaxWorth.

For You
For You
Best Card by Category
Best Card
Your Cards
My Cards
Benefits
Benefits
Benefit Detail
Benefit Detail
AI Assistant
AI Assistant
AI Agent
AI Response
Points Tracker
Points Tracker
Reminders
Reminders
Subscriptions
Subscriptions
Explore Cards
Explore Cards
Offers & Expiring
Offers
Meet Your Team
Six agents.
One mission.

Each agent specializes in a different aspect of your card strategy — and they all know your portfolio.

🛒
Spending Optimizer
Which card for groceries? Gas? Amazon? Get the best card for any purchase instantly.
✈️
Travel Optimizer
Plan trips with your points. Find transfer partners, sweet spots, and booking strategies.
🎁
Benefit Concierge
Identify unused perks, plan usage before expiry, and stack benefits across cards.
💳
Card Advisor
What card should you get next? What gaps exist? Personalized recommendations.
📞
Retention Expert
Annual fee coming? Get call scripts, negotiation tips, and common retention offers.
🔄
Points Guru
Transfer bonuses, sweet spots, and strategies to squeeze maximum value from points.
How It Works
Three steps. Done.
01
Add Your Cards
Search every supported card. Benefits, earning rates, and point values load automatically.
02
Track Everything
Mark benefits as used, get expiry reminders, see total ROI on your annual fees.
03
Ask AI Anything
Six AI agents know your cards. Ask spending tips, plan trips, get retention scripts.
The Database
Every card. Catalogued.
Every annual fee, earn rate and benefit — dollar-valued and hand-verified against issuer sites. The same database powers the app.
Chase Sapphire Reserve
Amex Gold
Capital One Venture X
Citi Strata Premier
Amex Platinum
Chase Freedom Flex
Amex Hilton Aspire
Chase Sapphire Preferred
Chase United Quest
Chase Ink Business Cash
Chase Sapphire Reserve
Amex Gold
Capital One Venture X
Citi Strata Premier
Amex Platinum
Chase Freedom Flex
Amex Hilton Aspire
Chase Sapphire Preferred
Chase United Quest
Chase Ink Business Cash
Explore the full database →
Reviews
Loved by 25,000+ cardholders.
See why thousands choose MaxWorth to maximize their rewards.
This app saved me over $2,400 in forgotten Amex credits last year. The benefit tracker is incredible — I get alerts before anything expires.
— Sarah K.
The nearby merchants feature is a game changer. I pull it up before every purchase and always use the best card. No more guessing.
— Mike T.
I have 12 credit cards and was losing track of $5,000+ in annual benefits. MaxWorth made it dead simple. Worth every penny of premium.
— Jason L.
The AI spending optimizer told me to use my Citi Custom Cash for groceries instead of my Amex. Saved me 2% on every trip. So smart.
— Anna W.
One-click offer activation with the Chrome extension is magic. I activated 47 Amex offers in seconds. Used to take me 20 minutes manually.
— Rachel D.
Finally an app that understands the points game. The transfer partner valuations are spot on. I booked a $3k flight for 60k points thanks to MaxWorth.
— David C.
This app saved me over $2,400 in forgotten Amex credits last year. The benefit tracker is incredible — I get alerts before anything expires.
— Sarah K.
The nearby merchants feature is a game changer. I pull it up before every purchase and always use the best card. No more guessing.
— Mike T.
I have 12 credit cards and was losing track of $5,000+ in annual benefits. MaxWorth made it dead simple. Worth every penny of premium.
— Jason L.
The AI spending optimizer told me to use my Citi Custom Cash for groceries instead of my Amex. Saved me 2% on every trip. So smart.
— Anna W.
One-click offer activation with the Chrome extension is magic. I activated 47 Amex offers in seconds. Used to take me 20 minutes manually.
— Rachel D.
Finally an app that understands the points game. The transfer partner valuations are spot on. I booked a $3k flight for 60k points thanks to MaxWorth.
— David C.
The subscription tracker caught a Netflix price increase I totally missed. Also found 2 services I forgot I was paying for. Paid for itself instantly.
— Kevin P.
My wife and I manage 15 cards between us. This is the only app that handles it cleanly. The annual fee vs. benefits ROI view is chef's kiss.
— Tom & Lisa R.
Asked the AI trip optimizer about my Japan trip. It mapped out exactly which cards to use for flights, hotels, and dining. Earned 3x more points than I would have.
— Emily H.
I'm new to credit card rewards and the Card Advisor AI helped me pick my first 3 cards. Already earning way more than before. Great for beginners too!
— Nina S.
Points tracker with transfer partners is the feature I didn't know I needed. Seeing my 180k Chase UR valued at $3,200+ motivated me to book that award flight.
— Brian M.
The annual fee reminder saved me $695 — I was about to forget to cancel a card I wasn't using. Set it and forget it. Best ROI tool for churners.
— Chris Y.
The subscription tracker caught a Netflix price increase I totally missed. Also found 2 services I forgot I was paying for. Paid for itself instantly.
— Kevin P.
My wife and I manage 15 cards between us. This is the only app that handles it cleanly. The annual fee vs. benefits ROI view is chef's kiss.
— Tom & Lisa R.
Asked the AI trip optimizer about my Japan trip. It mapped out exactly which cards to use for flights, hotels, and dining. Earned 3x more points than I would have.
— Emily H.
I'm new to credit card rewards and the Card Advisor AI helped me pick my first 3 cards. Already earning way more than before. Great for beginners too!
— Nina S.
Points tracker with transfer partners is the feature I didn't know I needed. Seeing my 180k Chase UR valued at $3,200+ motivated me to book that award flight.
— Brian M.
The annual fee reminder saved me $695 — I was about to forget to cancel a card I wasn't using. Set it and forget it. Best ROI tool for churners.
— Chris Y.
Get Started
Stop leaving money
on the table.

Join cardholders who maximize every benefit, every point, every dollar with MaxWorth.

Download on the App Store