Nine apps track parts of your credit cards. We compared all of them, including our own, and we say where each one beats Norte so you can check our work.
Last checked: October 6, 2026
Short answer
Norte is the best credit card benefit tracker for premium cardholders in 2026. It tracks every credit, perk and earn rate on your cards, and it is the only app here that also tracks what your coverage pays and what you need to claim it: travel insurance, purchase protection, rental car. It never asks for a bank login, and it covers 200+ cards across the US, UK and Europe.
CardPointers is the pick if you want Amex, Chase, Citi, Bank of America, Wells Fargo and U.S. Bank offers added to your cards, or an Android app. MaxRewards is the pick if you want credits marked used for you and are comfortable giving it your bank login. MaxWorth covers Canada and Australia. AwardWallet tracks points balances, Travel Freely tracks welcome bonuses and annual fee dates, and Kudos picks the card at online checkout.
We make Norte. Read this page with that in mind.
Norte publishes this page and ranks itself first. Every fact about another app comes from that app's own website, pricing page or App Store listing, checked on October 6, 2026. Where another app does something Norte does not, this page says so in plain words.
Five questions, five kinds of app
"Credit card tracker" covers five different jobs. Most confusion comes from comparing apps built for different ones.
| The question you are asking | The job | Apps that do it |
|---|---|---|
| Am I using the credits my annual fee pays for? | Credit tracking | Norte, CardPointers, MaxWorth, CardStack, MaxRewards, kardfolio |
| If my trip is cancelled or my phone breaks, am I covered, and how do I claim? | Coverage and fine print | Norte |
| Which card should I use right now? | Earn rates | Norte, CardPointers, MaxWorth, CardStack, MaxRewards, Kudos |
| Where are my points, and when do they expire? | Points balances | AwardWallet |
| Which card should I open next, and when is the fee due? | Welcome bonuses | Travel Freely |
The comparison table
| App | Best at | Bank login | Coverage: limits and claim rules | Price | Platforms |
|---|---|---|---|---|---|
| Norte | Credits, earn rates and coverage across the whole wallet | Never | Yes | Free · $8.99/mo · $79.99/yr · $239.50 once | Web, iPhone |
| CardPointers | Offers added at six US banks | Never | No | Free · $9.99/mo · $99.99/yr | iPhone, Android, Chrome and Firefox extensions |
| MaxWorth | Credits and offers in the US, Canada and Australia | Never | Names only | Free · $7.99/mo · $60/yr · $159.99 once | iPhone, browser extensions |
| CardStack | Credits marked used through an optional bank link | Optional | No | Free · $12.99/mo · $89.99/yr | iPhone, browser extensions |
| MaxRewards | Credits marked used from your transactions | Required | No | Free · Gold $108/yr · Platinum $240/yr | iPhone, Android |
| AwardWallet | Points and miles balances | Loyalty logins | No | Free · $49.99/yr | Web, iPhone, Android |
| Travel Freely | Welcome bonuses, 5/24, annual fee dates | Never | No | Free | Web, iPhone, Android |
| Kudos | Best card at online checkout | Optional | No | Free · paid tier | Browser extension, iPhone |
| kardfolio | Simple manual credit tracking | Never | No | Free to start | iPhone, web |
US web prices for Norte. App Store prices are set by Apple per country.
1. Norte: best for credits plus coverage
Norte reads the whole wallet. Every credit with its reset date, the best card for each kind of spend, and the coverage behind each card, with the limits and the claim rules.
What it does that no other app on this list does:
- Reads the fine print for you. Upload the benefit guide your card issuer sends cardholders and Norte reads it.
- Adds your own policies. Pick a standalone travel insurance policy from Norte's list, or enter your own, and see everything that covers you in one place.
- Earn rates that match your account. Tell Norte your status tier or your chosen bonus category once, and the best-card pick uses the rate you actually earn, with each card's merchant exclusions and booking rules applied. The transfer calculator is free, and live transfer bonuses are checked by hand every month.
- Turns booking emails into plans with your coverage. Forward a flight, hotel, rental car or purchase confirmation to your personal Norte address. Norte builds the plan, shows what your cards cover on it, files the email and receipts in your Documents, and tells you what is missing before you ever need to claim.
- Keeps the card data current by hand. When Chase refreshed its IHG cards on October 1, 2026, Norte read the new rewards agreements and updated all three cards by October 5.
No bank login, no card numbers. You add a card by its name.
Where another app beats Norte: Norte does not add retail offers to your cards (CardPointers, MaxWorth and CardStack do), does not mark credits used from your transactions (MaxRewards and CardStack do, with a bank link), has no Android app (it runs in any browser), and does not cover Canadian or Australian cards (MaxWorth does).
Price: free for up to 4 cards, with credit expiry alerts on every card. Premium is $8.99 a month or $79.99 a year on the web.
2. CardPointers: best for offers at six banks
CardPointers adds card-linked offers from Amex, Chase, Bank of America, Citi, U.S. Bank and Wells Fargo without asking for your logins, and tells you which card to use at checkout, in stores and online. It runs on iPhone, Android and browser extensions. It does not track coverage limits or claim rules. $9.99 a month or $99.99 a year.
3. MaxWorth: best outside the US
MaxWorth tracks credits and offers for US, Canadian and Australian cards, in English and Chinese, without a bank login. It lists the protections on each card by name, without limits or claim rules. $7.99 a month, $60 a year or $159.99 once.
4. CardStack: best for automatic marking without a stored password
CardStack's free plan is manual tracking. CardStack+ adds a bank connection that marks credits used from your transactions, plus Amex and Chase offers in its browser extension. iPhone only. $12.99 a month or $89.99 a year.
5. MaxRewards: best if you will link your bank
MaxRewards reads your transactions through your bank login, so credits are marked used without you doing anything. That is its strength and its trade: it needs your bank credentials. Gold is $108 a year, Platinum $240 a year.
The rest of the list
- AwardWallet tracks points and miles balances and expiry dates across airline, hotel and bank programmes, and imports travel plans from your email or forwarded confirmations. A different job from credit tracking. $49.99 a year for Plus.
- Travel Freely tracks welcome bonus deadlines, annual fee dates and Chase 5/24. Completely free, US cards only.
- Kudos recommends a card at online checkout through its browser extension.
- kardfolio is a new, minimal manual tracker for iPhone and web, no bank login.
What cardholders say about Norte
"This is a brand new app that I've been enjoying so far for tracking all the benefits and perks of your credit cards. It goes deeper into the fine print of your cards than any other app I've tried so far."
Lauren, The Points Dentist (@thepointedsmile), TikTok · Received free Premium
"It helps me track my cards, benefits, credits, and protections all in one place so I can choose the best card for each purchase. I can even save receipts and create purchase plans ahead of time, making it much easier if I ever need to file a claim."
Christina Souther, Instagram · Paid partnership
Plans have changed since this video: the free plan now covers 4 cards, and the trial is 14 days.
Frequently asked questions
- What is the best app to track credit card benefits?
- Norte, for most premium cardholders. It tracks credits, earn rates and coverage across your whole wallet without a bank login. CardPointers is the choice if you want offers added at six US banks or an Android app. MaxRewards is the choice if you want credits marked used automatically and accept linking your bank.
- Which app tracks travel insurance and purchase protection?
- Norte. It shows what each card's coverage pays, the conditions, and what you need to claim, and you can add standalone policies and your issuer's benefit guide. MaxWorth lists protections by name. The other apps here do not track coverage.
- Which credit card trackers work without a bank login?
- Norte, CardPointers, MaxWorth, Travel Freely and kardfolio never ask for bank credentials. CardStack and Kudos offer an optional bank connection. MaxRewards requires one. AwardWallet asks for loyalty programme logins.
- Are there free credit card benefit trackers?
- Yes. Travel Freely is completely free. Norte, CardPointers, MaxWorth, CardStack, MaxRewards, AwardWallet and kardfolio all have free plans with paid upgrades. Norte's free plan covers 4 cards with credit expiry alerts on each.
- What is the best tracker for UK or European credit cards?
- Norte. It covers 200+ cards across the US, UK and Europe. The other apps on this list are built for US cards, with MaxWorth adding Canada and Australia.
- Is Norte better than CardPointers?
- For credits and coverage, yes: Norte tracks what your coverage pays and how to claim it, reads your benefit guide, and covers UK and European cards. CardPointers is better for adding offers at six US banks and for Android.
- Do I need more than one app?
- Often, because they do different jobs. A common setup is Norte for credits and coverage, AwardWallet for points balances, and Travel Freely for welcome bonuses.
How we checked
Every price, platform and bank-login fact about another app comes from that app's own website, pricing page or App Store listing, checked on October 6, 2026. Prices change. If you find something out of date, email support@norteapp.io and we will correct it.