MaxWorth vs MaxRewards: Which Credit Card Benefits Tracker Is Better? (2026)
Quick answer: The choice is about one thing: whether you will hand an app your bank login. MaxWorth never asks for one and you mark credits used yourself; it adds portal comparison, award search and coverage for Canada and Australia, and costs $60 a year or $159.99 once. MaxRewards requires and stores your bank login, and in exchange marks credits used automatically from your transactions and activates offers at the broadest list of banks in the category; it bills annually from $108 with no lifetime option. If automatic marking is worth a stored login to you, MaxRewards is the right call. If it is not, MaxWorth is.
Field by field
| Field | MaxWorth | MaxRewards |
|---|---|---|
| Bank login | Never. There is no account-connection feature in the product. | Required and stored. It does not use Plaid; its help centre describes its own connector. No opt-out. |
| Marks credits used automatically | No. You tap "used"; cycle-aware reminders fire before each credit expires. | Yes. Credits are marked used from your transactions without you doing anything. |
| Card-linked offer activation | Amex and Chase, one click, via the Chrome and Safari extension. | The broadest list in the category: Amex, Chase, Capital One, BofA, Citi, Wells Fargo, U.S. Bank, Discover, Barclays and more. |
| 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, Android, Mac, Apple Vision; Chrome extension. |
| List price | Free · $7.99/mo · $60/yr · $159.99 lifetime | Free · Gold from $108/yr (annual billing only, no lifetime) |
Where MaxRewards wins
- Marks credits used automatically. Nothing in the no-login camp replicates this.
- Activates offers at far more banks: Capital One, Citi, BofA, Wells Fargo, U.S. Bank, Discover, Barclays and more.
- Android and Mac apps.
- Credit-score monitoring and spend analysis come with the connection.
Where MaxWorth wins
- No account connection exists in the product, so there is no stored credential, no re-authentication, and no risk of a bank fraud lock triggered by a sync.
- Portal comparison across 10+ shopping portals and award flight search; MaxRewards does neither.
- Covers Canada and Australia; MaxRewards is US-only.
- A lifetime option. MaxRewards bills every year, annually only.
- Lower price: $60/yr against $108/yr.
What each costs
MaxWorth: Free · $7.99/mo · $60/yr · $159.99 lifetime. MaxRewards: Free · Gold from $108/yr (annual billing only, no lifetime). List prices only; this page does not track promotions.
Frequently asked questions
Does MaxRewards use Plaid?
No. Its help centre describes its own connector, built because aggregators cannot reach reward balances. That means the usual reassurance that "the app never sees your credentials" does not apply: it does hold them, encrypted.
Can MaxWorth mark credits automatically?
No. You tap "used" yourself, and the app reminds you before each credit expires. That is the direct cost of never connecting an account.
Which is cheaper?
MaxWorth: $60/yr or $159.99 once, against MaxRewards Gold from $108/yr with annual billing only and no lifetime tier.
Sources and check dates
- MaxWorth (checked 2026-10-03): MaxWorth App Store listing · MaxWorth Chrome Web Store listing
- MaxRewards (checked 2026-09-20): MaxRewards help centre (connector, pricing) · MaxRewards 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".