CardROI: Credit Card Tracker
ChesKat Enterprises, LLC Finance iPhoneiPadiPod touch
CardROI: Credit Card Tracker is a free Finance app for iPhone and iPad by ChesKat Enterprises, LLC. Rated 5.0/5 from 4 ratings. Requires iOS 26.0.
- Rating
- 5.0
- 4 ratings
- Price
- Free
- on the App Store
- Size
- 6 MB
- Age 4+
- Updated
- Oct 21
- 2026 · v2.1
Screenshots
About CardROI: Credit Card Tracker
Stop tracking credit card benefits in spreadsheets. CardROI does it for you and tells you if your cards are actually worth the fees. Whether you carry a single premium card or juggle a wallet of five, CardROI tracks every benefit, calculates your real ROI, and answers the question most cardholders can't: "Am I actually getting my money's worth?" TRACK EVERY BENEFIT Log Uber Cash, dining credits, hotel stays, airline fees, lounge visits, and more across 30+ premium cards from Chase, American Express, Citi, Capital One, and others. No more "did I use that credit?" KNOW YOUR ROI See exactly how much value you've claimed against each card's annual fee. Cards in the green, cards breaking even, cards leaking money, visualized and actionable. NEVER MISS A CREDIT Smart reminders before benefits expire. Quarterly credit cycles, monthly DoorDash allowances, semi-annual dining credits, and anniversary-based free nights, all tracked and surfaced before the deadline hits. MAXIMIZE YOUR POINTS Track balances across 15+ major programs: Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou, Delta SkyMiles, Hilton Honors, World of Hyatt, and more. Log redemptions to see your actual cents-per-point performance. COMPARE & DECIDE Side-by-side card comparison with annual fees, benefits, and earning rates. Explore 30+ cards before applying or decide whether to keep or cancel the ones you have. FIND WHAT YOUR WALLET IS MISSING Premium gap analysis shows which benefits your current card stack doesn't cover (no airline lounge access, no dining credits, no travel insurance) and surfaces cards that cover what's missing. ANNUAL AUDIT Your credit card year in review. See your best-performing card, benefits you left on the table, and smart insights for next year. BUILT FOR PRIVACY No accounts. No bank connections. No tracking. All your data stays on your device. Free to download. Premium unlocks ROI analysis, smart reminders, unlimited cards, gap analysis, and the Annual Audit. Questions or card suggestions? [email protected] Terms of Use: https://cardroi.app/terms-of-service Privacy Policy: https://cardroi.app/privacy-policy
What’s new
Version 2.1 · Updated October 21, 2026
• When issuer terms change on one of your cards, the app tells you: the first time you open a new version, a short list shows what changed in dollars or cadence, and nothing else. • Compare lines up earning rates by category (dining, groceries, gas, flights, hotels…) so two cards can be read side by side, with portal rates in their own section. • Global Entry and TSA PreCheck: enter your real application date, even from a past year, and the credit counts a quarter of the fee in each of the four years it covers. The sheet now says plainly that the card's credit returns every 4 years while the membership lasts 5. • Logging a quarterly or annual credit now keeps the date inside the current period, so an amount can no longer slip into an earlier quarter past its cap. • Memberships you have switched on (Digital Entertainment, Walmart+, Peloton, DashPass months) log each new month on their own again. Months missed since 2.0 are filled in the first time you open this version. • Sapphire Reserve and J.P. Morgan Reserve: the DoorDash promo is now $15 on any order each month from October 1, plus the two $10 non-restaurant promos, up to $35 a month through 2029. September and earlier keep the old $5. • World of Hyatt, Bonvoy Boundless and the Southwest cards: the DoorDash promo is now $10 each month for DashPass memberships activated from September 1, 2026 (earlier activations keep it quarterly, as Chase's terms say). • Card library: every earning rate on all 36 cards checked against the issuers' pages. Robinhood Gold's portal rate is gone (it earns a flat 3x), the Sapphire and Freedom cards' Lyft and Peloton promos are in, Amex Gold's car rental and cruise rate is in, and Apple Card's 3% partner list is spelled out. • Shortcuts: CardROI's questions (how far ahead am I, what's running out, what's left on a card, which cards carry a protection) are now Shortcuts actions. Premium. Have feedback? [email protected]
App privacy
The developer, ChesKat Enterprises, LLC, reported these privacy practices to Apple.
Data Not Linked to You
The following data, which may be collected but is not linked to your identity, may be used for the following purposes:
- Location: Coarse Location
- Identifiers: Device ID
- Usage Data: Product Interaction
- Diagnostics: Crash Data, Performance Data, Other Diagnostic Data
Used for: Analytics, App Functionality
Alternatives to CardROI: Credit Card Tracker
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| App | Rating | Price | Last updated | Compare |
|---|---|---|---|---|
| CardROI: Credit Card Tracker | 5.0 / 5 (4 ratings) | Free | October 21, 2026 | |
| US Credit Card Tracker | – | Free | Mar 10, 2026 | Compare |
| Card Fee Keeper: Annual Fees | – | Free | Jul 28, 2026 | Compare |
| Credit Reward | – | Free | Apr 12, 2026 | Compare |
| ForgetMeNot: Wallet | 5.0 / 5 (3) | Free | Sep 8, 2026 | Compare |
| CardLab: Track Cards & Rewards | 5.0 / 5 (1) | Free | Oct 25, 2026 | Compare |
| CardLah! - track spending | – | Free | Oct 19, 2026 | Compare |