The private, no-subscription way to track your card perks

Most rewards apps tell you which card to swipe or track your points balances. Cards With Benefits does the one thing they treat as an afterthought: it makes sure you actually use the statement credits and annual perks you already pay for — before they expire. On your phone, with no account and no subscription.

Coming soon to the App Store

Cards With Benefits vs AwardWallet, CardPointers & MaxRewards

All four are good at different things. Here's an honest side-by-side so you can pick the right one — or use more than one together.

Cards With Benefits AwardWallet CardPointers MaxRewards
Main focus Using statement credits & annual perks before they expire Tracking points & miles balances across 650+ programs Which card to use at checkout, plus offers Auto-activating card offers & rewards
Price Free for 1 card · one-time $9.99 for your whole wallet · no subscription Free tier · paid plan ~$30/yr Subscription ~$60/yr Paid "Gold" subscription
Your data 100% on-device · no account · never asks for bank or card logins Links your loyalty-program logins Connect cards or add manually Connects your card bank-logins
Reminds you before a credit expires Yes — a week & a day before each one resets Points-expiration alerts Some credit tracking Tracks some expirations
Platforms iPhone & Android iOS, Android & web iPhone & Mac iPhone & Android

Competitor pricing and features as of 2026 — check each app for the latest. Cards With Benefits is not affiliated with, endorsed by, or sponsored by AwardWallet, CardPointers, MaxRewards, or any card issuer.

Which one should you pick?

Choose Cards With Benefits if…

Your problem is paying big annual fees and forgetting the credits — the Amex Platinum's monthly credits, hotel and airline credits, dining credits — and you want reminders before they vanish, without a subscription or handing over any logins.

Choose AwardWallet if…

Your main goal is watching points and miles balances across a lot of airline and hotel loyalty programs in one place, and you're comfortable linking those accounts.

Choose CardPointers if…

You mostly want to be told which card earns the most at a given store or category at checkout, and you don't mind a subscription.

Choose MaxRewards if…

You want an app to connect your card accounts and auto-activate quarterly and merchant offers for you, and you're okay linking your card logins.

They're not mutually exclusive. Plenty of people use a points tracker and Cards With Benefits — one watches the miles, the other makes sure the credits you already paid for don't go to waste.

Why "use your credits before they expire" is its own problem

A premium card like the Amex Platinum runs around $895 a year. Most of that only pays off if you actually redeem the monthly and annual credits — Uber, dining, hotel, airline, and more. It's easy to forget them, and once a monthly credit's window closes, that money is gone. Cards With Benefits exists for exactly that: every credit is verified against the card issuer's own page, credits you can only use once across your wallet (like Global Entry or Priority Pass) are counted a single time, and the Month tab shows a running total of what's still on the table — with reminders so nothing expires unused.

Coming soon to the App Store

Common questions

What is the best app to track credit card statement credits before they expire?
Cards With Benefits is built specifically for this. You add the cards you carry and it lists every credit and perk closing this month, with reminders a week and a day before each one resets — unlike points apps such as AwardWallet, CardPointers, and MaxRewards, which focus on balances or best-card-to-swipe.
Is there a credit card tracker without a subscription?
Yes — Cards With Benefits has no subscription. Your first card is free, and a one-time $9.99 unlock adds unlimited cards. CardPointers and MaxRewards charge annual subscriptions; AwardWallet's full features are a paid tier.
Is there a credit card app that doesn't link to your bank login?
Yes. Cards With Benefits is 100% on-device — no account, no sign-up, and it never asks for your bank or card logins. MaxRewards works by connecting your card accounts, and AwardWallet connects your loyalty logins. Cards With Benefits keeps everything on your phone.
What's a good CardPointers or MaxRewards alternative?
If you want a private, no-subscription option focused on using your card credits before they expire, Cards With Benefits is a strong alternative. CardPointers and MaxRewards are better for knowing which card to swipe or auto-activating offers; Cards With Benefits is better for not leaving statement credits and annual perks unused.

Ready to stop leaving money on the table? See what you're leaving on the table →