THE JOURNAL
Head-to-head comparisons of every app in this category, and guides to the credits you have already paid for. We make OfferBee, so we say where other apps beat us, and every claim about a competitor carries the date we last checked it.
ALL COMPARISONS RE-VERIFIED SEP 8, 2026
NO BANK LOGIN · TRACKED MANUALLY
CardPointers is $90/yr and never takes your bank login. MaxRewards is cheaper and auto-activates Discover Deals too, but needs account access. A head-to-head on offers, credits, price and privacy.
CardStack is iOS-only and CardStack+ is $89.99/yr. Five alternatives compared on automatic credit detection, Android support, free tiers and price.
WalletFlo Pro costs $100 the first year and $230/yr after, and the free tier links one card. Six cheaper alternatives compared on credit tracking, platforms and price.
Kudos is a Chrome extension with no mobile app, in-store help, or credit tracking. Six alternatives compared for people who spend offline or need statement credits tracked.
AwardWallet tracks loyalty balances but not statement credits or which card to swipe. Six alternatives compared for people who need the other half of the job.
MaxRewards auto-activates offers but its credit tracking is limited, and auto-activation needs your bank credentials. Six alternatives compared on credit detection, privacy, and price.
CardPointers is $90/yr and never reads your transactions, so it can't tell you a credit was already used. Seven alternatives compared on price, platforms, and automatic credit detection.