MaxWorth vs kardfolio: Which Credit Card Benefits Tracker Is Better? (2026)
Quick answer: Both are no-login, manual benefit trackers. kardfolio is the smaller and simpler of the two: clean credit tracking on iPhone and the web with CSV import, no offer activation, no portals, no award search, US-only, $55 a year with a five-card free tier. MaxWorth is the fuller product: Amex and Chase offer activation, shopping-portal comparison, award flight search, Canada and Australia, at $60 a year or $159.99 once. Pick kardfolio if you want the minimum and a web app; pick MaxWorth if you want the credits plus everything around them.
Field by field
| Field | MaxWorth | kardfolio |
|---|---|---|
| Bank login | Never. There is no account-connection feature in the product. | Never. Stated bluntly: no bank credentials, no Plaid, no transaction feed. |
| Marks credits used automatically | No. You tap "used"; cycle-aware reminders fire before each credit expires. | No. Manual by design. |
| Card-linked offer activation | Amex and Chase, one click, via the Chrome and Safari extension. | None. |
| 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. |
| Platforms | iOS; Chrome and Safari extensions. No Android, no web app. | iOS and a web app, with CSV import and export. No Android. |
| List price | Free · $7.99/mo · $60/yr · $159.99 lifetime | Free (5 cards) · $5/mo · $55/yr |
Where kardfolio wins
- A real web app. MaxWorth has no web app.
- CSV import and export, so a large wallet is not hand-typed and not locked in.
- Deliberately minimal; nothing to ignore.
- Slightly cheaper annual tier: $55 vs $60.
Where MaxWorth wins
- Amex and Chase offer activation; kardfolio has none.
- Portal comparison across 10+ shopping portals and award flight search.
- Canada and Australia, not only the US.
- A lifetime option and no five-card cap on the free tier.
- Best-card-per-category recommendations and a nearby merchant map.
What each costs
MaxWorth: Free · $7.99/mo · $60/yr · $159.99 lifetime. kardfolio: Free (5 cards) · $5/mo · $55/yr. List prices only; this page does not track promotions.
Frequently asked questions
Does kardfolio activate Amex or Chase offers?
No. It has no offer activation at all, so a weekly Amex and Chase routine stays entirely manual.
Is kardfolio free?
Free up to five cards, then $5/mo or $55/yr. MaxWorth's free tier has no card cap.
Which should a beginner pick?
If you hold one or two cards and only want reminders, kardfolio's simplicity is a feature. From three premium cards up, MaxWorth's offers and portal comparison start paying for the subscription.
Sources and check dates
- MaxWorth (checked 2026-10-03): MaxWorth App Store listing · MaxWorth Chrome Web Store listing
- kardfolio (checked 2026-09-20): kardfolio website (pricing, privacy statement)
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".