MaxWorth vs CardPointers: Which Credit Card Benefits Tracker Is Better? (2026)
Quick answer: MaxWorth is the better pick for most iPhone users: it covers cards in Canada and Australia, compares cashback rates across shopping portals, searches award flights, and costs less at list price with a lifetime option, all without a bank login. CardPointers is the better pick if you need Android or a web app, offer activation at Citi, Bank of America, Wells Fargo or U.S. Bank, Chase 5/24 tracking, or one subscription for a household. Both are manual trackers that never ask for your bank credentials, so the privacy question is a tie.
Field by field
| Field | MaxWorth | CardPointers |
|---|---|---|
| Bank login | Never. There is no account-connection feature in the product. | Never. Its help centre argues for this explicitly: offers are read by the extension while you are logged in yourself. |
| Marks credits used automatically | No. You tap "used"; cycle-aware reminders fire before each credit expires. | No. Manual, same as MaxWorth. |
| Card-linked offer activation | Amex and Chase, one click, via the Chrome and Safari extension. | Six banks: Amex, Chase, Bank of America, Citi, Wells Fargo, U.S. Bank. |
| Shopping-portal rate comparison | Yes: 10+ shopping portals compared per store, checked daily, with stacking flagged. | No. |
| Award flight search | Yes, inside the points tracker. | No. |
| Countries covered | United States, Canada, Australia (hand-verified card data). | United States. Third-party reviews describe Canadian coverage as thin and Australian as absent. |
| Platforms | iOS; Chrome and Safari extensions. No Android, no web app. | iOS, Android, Web, Mac, Apple Watch, Vision, CarPlay; Chrome, Safari and Firefox extensions. |
| List price | Free · $7.99/mo · $60/yr · $159.99 lifetime | Free · $9.99/mo · $89.99/yr · $279.99 lifetime |
Where CardPointers wins
- Runs on Android, the web, Mac, Apple Watch, Vision and CarPlay. MaxWorth is an iPhone app with browser extensions.
- Activates offers at six banks. MaxWorth reaches Amex and Chase only.
- Tracks Chase 5/24 and welcome-bonus progress; MaxWorth tracks bonuses but not 5/24.
- Household profiles on one subscription.
- Seven years of iteration and a much larger independent review record.
Where MaxWorth wins
- Hand-verified cards for Canada and Australia, not only the US.
- Compares cashback rates across 10+ shopping portals per store and flags what stacks with a card-linked offer. CardPointers does not do portals.
- Searches award flight availability next to your points balances.
- Lower list price: $60/yr or $159.99 once, against $89.99/yr or $279.99 once.
- English and Chinese interface.
What each costs
MaxWorth: Free · $7.99/mo · $60/yr · $159.99 lifetime. CardPointers: Free · $9.99/mo · $89.99/yr · $279.99 lifetime. List prices only; this page does not track promotions.
Frequently asked questions
Is MaxWorth better than CardPointers?
For most iPhone users, yes: wider scope (three countries, portal comparison, award search) at a lower list price, with the same no-bank-login design. CardPointers is better if you need Android, a web app, offers beyond Amex and Chase, 5/24 tracking or household sharing.
Does either app need my bank login?
No. Both load your cards from their own databases and activate offers through a browser extension that runs inside the issuer site while you are logged in yourself. Neither holds your credentials.
Which is cheaper?
MaxWorth at list price: $7.99/mo, $60/yr or $159.99 lifetime, against CardPointers at $9.99/mo, $89.99/yr or $279.99 lifetime. Both have free tiers.
Sources and check dates
- MaxWorth (checked 2026-10-03): MaxWorth App Store listing · MaxWorth Chrome Web Store listing
- CardPointers (checked 2026-09-20): CardPointers help centre (pricing, bank-login policy) · CardPointers App Store listing
MaxWorth publishes this site. Every claim about the rival comes from its own site, help centre or store listing; anything we could not confirm is marked as such rather than written as "no".