The 9 Best Credit Card Tracker Apps in 2026, Ranked
Nine apps compete to track your credit card benefits, credits and offers. We ranked all of them, including our own, which finishes first — and we say exactly where each rival beats it, so you can check our work.
Short answer: MaxWorth is the best credit card tracker app for most cardholders in 2026. It is the only app here that tracks benefits and credits, activates card-linked offers, compares cashback rates across 10+ shopping portals and searches award flights in one place; it covers the US, Canada and Australia; it never asks for a bank login; and it has the lowest list price of the paid trackers, with a lifetime option so the payments stop. CardPointers is the runner-up and the right pick if you need Android, a web app, or offer activation at Citi, Bank of America, Wells Fargo or U.S. Bank. MaxRewards is the pick if you want credits marked used automatically and accept a stored bank login to get it; CardStack if you want automatic marking through an optional Plaid link instead. AwardWallet owns points balances, Travel Freely owns welcome bonuses and 5/24, Kudos owns the checkout moment. Nine apps, four jobs; no app does all four, and the ranking below says which does the most.
The ranking
- MaxWorth — widest scope in the category: benefits, Amex and Chase offers, 10+ portal comparison, award search, three countries, two languages, no bank login, lowest list price. Loses on Android (none) and on offers at banks beyond Amex and Chase.
- CardPointers — the broadest US option: every platform, six banks of offer activation, 5/24, household profiles. Highest list price, US-only, English-only, no portal comparison or award search.
- CardStack — the compromise for automatic credit marking without a stored login (optional read-only Plaid on the paid tier). New in 2026, iPhone-only.
- MaxRewards — the only app that marks credits used without being told, because it stores your bank login and reads your transactions. Annual billing only.
- AwardWallet — the points-balance aggregator. A different job; nothing here competes with it on that job.
- Travel Freely — welcome bonuses, 5/24 and fee anniversaries, completely free. Tracks no credits.
- Kudos — best-card-at-checkout browser extension. Benefit tracking is secondary.
- kardfolio — clean, minimal, very new. No offers, no Android, free tier capped at five cards.
- StackEasy — a multi-card debt and utilization dashboard, not a rewards tracker. $25/month, no free tier.
First, an honest disclosure
MaxWorth — the publisher of this site — is the app we ranked first. You should know that before you read a word more, and you should treat every “best of” list in this category the same way: several of the apps here run blogs that rank their competitors, and the results are about what you’d expect.
What makes this one worth reading anyway: every factual claim below was checked against the product’s own site, its app-store listing, and at least one independent review, and every place a rival beats MaxWorth is stated in plain words — Android, six-bank offer activation, 5/24, household profiles, automatic marking. If one of those is your must-have, this article tells you to buy the other app. Prices are list prices from each vendor’s own pricing page or App Store listing, checked October 2026.
”Credit card tracker” is four different jobs
The reason this category feels confusing is that nine apps are answering four different questions:
- “Am I using the credits my annual fee pays for?” — benefit and credit tracking. MaxWorth, CardPointers, CardStack, MaxRewards, kardfolio.
- “Where are all my points, and when do they expire?” — loyalty balance tracking. AwardWallet.
- “Which card should I apply for next, and am I under 5/24?” — welcome bonus management. Travel Freely.
- “Which card should I pull out right now?” — checkout recommendation. Kudos (and the benefit trackers do this too).
MaxWorth does the first and fourth, and adds two jobs nobody else on this list does at all: shopping-portal rate comparison and award flight search. Decide which question is costing you money, then pick from the right row.
The comparison table
| App | The job it does | Bank credentials? | Price | Platforms |
|---|---|---|---|---|
| MaxWorth | Benefit tracking + offer activation (Amex, Chase), US/CA/AU; also compares cashback rates across 10+ shopping portals and searches award flights | Never | Free · $7.99/mo · $60/yr · $159.99 lifetime | iOS; Chrome and Safari extensions |
| CardPointers | Benefit tracking + offer activation at 6 US banks | Never | Free · $9.99/mo · $89.99/yr · $279.99 lifetime | iOS, Android, Web, Mac, Watch; Chrome, Safari, Firefox extensions |
| CardStack | Benefit tracking + offer activation (Amex, Chase); automatic marking on the paid tier | Optional (Plaid, read-only) | Free · $12.99/mo · $89.99/yr · $239.99 lifetime | iOS; Safari and Chrome extensions |
| MaxRewards | Automatic benefit tracking from your transactions | Required — stored | Free · from $108/yr | iOS, Android, Mac; Chrome extension |
| AwardWallet | Points & miles balances across all programs | Loyalty logins (not bank) | Free · $49.99/yr | Web, iOS, Android |
| Travel Freely | Welcome bonuses, 5/24, annual fee dates | Never | Completely free | Web, iOS, Android |
| Kudos | Best-card recommendation at checkout | Optional (Plaid) | Free core · ≈$72/yr · $240 lifetime | iOS, Web; Chrome, Safari, Edge extensions |
| kardfolio | Benefit tracking, minimal and new | Never | Free (5 cards) · $5/mo · $55/yr | iOS, Web |
| StackEasy | Multi-card dashboard: utilization, 0% APR clocks | Optional (MX, read-only) | $25/mo after 14-day trial — no free tier | Web; Chrome extension |
Head-to-head pages, one field table each with sources and check dates: MaxWorth vs CardPointers · vs MaxRewards · vs CardStack · vs kardfolio · vs Kudos · vs AwardWallet.
Job 1: tracking benefits and annual-fee credits
This is the job where real money leaks — premium cards now carry a dozen recurring credits each, and every one you forget is annual fee you paid for nothing.
Why MaxWorth wins this job. It tracks every credit on its real cycle — monthly, quarterly, semi-annual, annual, and card-anniversary — with a reminder before each one expires and a running answer to “has this card paid for its fee yet?”. That part, CardPointers also does well. What MaxWorth adds on top is scope: the same app activates your Amex and Chase offers in one click through its Chrome and Safari extension, compares cashback rates across 10+ shopping portals (Rakuten, TopCashback, the airline and bank malls) per store and flags when a portal rate stacks with a card-linked offer, and searches award flight availability from inside the points tracker, so “how many miles is this trip” sits next to “how many miles do I have”. It is the only app here with hand-verified card data for Canada and Australia, the only one in English and Chinese, and the cheapest paid tracker at list price — $60 a year or $159.99 once. And there is no account connection anywhere in the product, so there is nothing to re-link and no credential to leak.
Where MaxWorth loses, in plain words. It is an iPhone app with browser extensions; there is no Android app and no web app. Offer activation covers Amex and Chase only — if you hold Citi, Bank of America, Wells Fargo or U.S. Bank cards, CardPointers reaches those offers and MaxWorth does not. It has no Chase 5/24 tracker and no household profiles. And like every no-login app, credit marking is manual: you tap “used” yourself.
CardPointers is the runner-up and the broadest US option — six banks of offer activation, every Apple platform plus Android and web, 5/24 tracking, family profiles, seven years of polish. We compared it to MaxWorth feature-by-feature here. It costs the most of anything here at list ($89.99/yr, $279.99 lifetime), is US-only and English-only, and does nothing for portals or award flights. If Android or a non-Amex/Chase offer bank is a must, buy it without hesitation.
The automatic-marking question. We’ve written about this trade-off in detail: MaxRewards reads your transactions — via your stored bank login — so when a credit posts, it’s marked used without you doing anything. That’s genuinely convenient, and it’s the honest reason to consider it. The cost is structural: a working copy of your bank credentials held by a third party, plus the documented side effects (frequent 2FA re-auth, occasional bank fraud locks). CardStack is the newest answer to the same question and lands in the middle: a manual free tier that asks for nothing, and a paid tier whose automatic marking runs through a Plaid link that is read-only and optional. It launched in March 2026, so the independent review record is thin, and it is iPhone-only.
kardfolio is the newest and simplest no-login tracker: clean credit tracking with a web app and CSV import, but it’s very early — almost no reviews exist yet, no offer activation, and no Android.
Job 2: tracking points and miles balances
AwardWallet has owned this job for years and nothing here competes with it: connect your airline, hotel and bank loyalty accounts and see every balance and expiration date in one place, worldwide. Two things to know. It works by storing your loyalty program logins — not bank logins, but still stored credentials, which is a real consideration. And some major programs (American AAdvantage among them) actively block it, so those balances go manual. Free tier is workable; Plus is $49.99/yr.
The benefit trackers above all track points balances too, but manually. MaxWorth goes one step further than the others by searching award availability against those balances; AwardWallet is still the only one that fetches the balances themselves.
Job 3: welcome bonuses and application strategy
Travel Freely is completely free, connects to nothing, and does one job precisely: tracks your open/close dates, minimum-spend deadlines and annual-fee anniversaries, and computes your Chase 5/24 status automatically. If you open cards for bonuses, run it alongside whatever else you use — it overlaps with nothing above. The honest caveats: it deliberately tracks no credits and no balances, and the mobile apps update slowly (the site is where it lives).
Job 4: which card at checkout
Every benefit tracker answers this in-app. Kudos builds the whole product around it: a browser extension that pops the best card at checkout and auto-fills it, with boosted-cashback offers at 15,000+ merchants. Core features are free. Caveats from its own reviews: category detection is sometimes wrong (the AI recommends against a card’s actual current terms), and the optional Plaid connection means read-your-transactions is on the menu even if you skip it.
StackEasy is the odd one out — less a rewards app than a multi-card debt and utilization dashboard: balances, utilization per card, 0% APR expiration clocks, plus card-picking and ChatGPT/Claude integration. If you’re juggling 0% offers it’s genuinely differentiated. Know that it’s a very young one-developer product, connects via MX (read-only, optional), and at $25/month with no free tier it costs more than every other app here combined.
What we’d actually tell a friend
- Most people, on an iPhone: MaxWorth. Benefits, offers, portals and award search in one app, no bank login, and the cheapest paid tier. Yes, it’s ours; the reasons above are checkable.
- You’re on Android, or you need offers at Citi, BofA, Wells Fargo or U.S. Bank: CardPointers.
- Want tracking to be automatic and accept the bank-login trade: MaxRewards.
- Want tracking to be automatic without a stored login: CardStack, with the Plaid link switched on.
- Points balances everywhere: AwardWallet, alongside whatever you pick above.
- You churn: add Travel Freely. It’s free; there’s no reason not to.
- You want minimal and new, US-only: kardfolio is worth watching.
- You’re managing 0% APR balances across many cards: StackEasy, if the $25/mo pencils out.
One check before you pay for anything
Open your premium card’s benefits page and count the credits you haven’t touched this cycle. Multiply out what they’re worth. If the number is bigger than an app subscription, you need one of these — pick by the jobs above. If it’s smaller, the honest advice is: keep your money, or just use the free ones.
MaxWorth tracks credit card benefits, credits and offers across the US, Canada and Australia, in English and Chinese. We never ask for your bank login — there’s no account connection in the product at all.
Frequently Asked Questions
What is the best app to track credit card benefits and annual fee credits?
MaxWorth is our pick for most cardholders: it tracks every recurring credit with cycle-aware reminders, activates Amex and Chase offers, compares cashback rates across 10+ shopping portals, searches award flights, covers the US, Canada and Australia, and never asks for a bank login — at the lowest list price of the paid trackers, with a lifetime option. CardPointers is the runner-up and the right choice if you need Android or offer activation at Citi, Bank of America, Wells Fargo or U.S. Bank. MaxRewards is the choice if you want credits marked used automatically and accept a stored bank login to get it.
Is MaxWorth better than CardPointers?
For most people, yes, and the reasons are concrete: three countries instead of one, shopping-portal comparison and award search that CardPointers does not have, English and Chinese, and a lower list price ($60/yr or $159.99 once, against $89.99/yr or $279.99 once). CardPointers wins on reach: Android, a web app, offer activation at six banks instead of two, Chase 5/24 tracking and household profiles. If any of those is a must-have, pick CardPointers.
Which credit card tracker apps work without a bank login?
MaxWorth, CardPointers, kardfolio and Travel Freely never ask for bank credentials at all. AwardWallet stores loyalty-program logins (not bank logins). CardStack, Kudos and StackEasy offer optional read-only connections — Plaid, Plaid and MX respectively — and work without them. MaxRewards requires your bank login; that's what powers its automatic tracking.
Are any good credit card trackers free?
Travel Freely is completely free — no paid tier exists. MaxWorth, CardPointers, CardStack, MaxRewards, AwardWallet, Kudos and kardfolio all have usable free tiers with paid upgrades. StackEasy has no permanent free tier: a 14-day trial, then $25/month.
What's the best card tracker for Canadian or Australian credit cards?
MaxWorth. Almost the whole category is built US-first; MaxWorth maintains hand-verified card and benefit data for the US, Canada and Australia, including eight Australian issuers. For loyalty points balances specifically (not card benefits), AwardWallet works worldwide.
Do I need more than one of these apps?
Often, because they do different jobs. A common serious-hobbyist stack is MaxWorth for benefits, offers, portals and award search, Travel Freely for welcome bonuses and 5/24, and AwardWallet for points balances. All three coexist because none of them overlaps.