What is a statement credit tracker?
A statement credit is money your card issuer credits back when you make an eligible purchase. Premium cards have dozens of them. A tracker lists every credit, how much is left, and when it resets. Without one, you pay annual fees and miss the benefits that justify them.
What does CardStack free tier include?
Download on iPhone at no cost. Add cards from Amex, Chase, Capital One, Citi, Bilt, and more. See every statement credit and perk. Mark credits used manually. Filter by expiring or redeemed. Get notifications before credits expire. No subscription required for manual tracking.
When should I upgrade to CardStack+?
When manual tracking becomes a chore or you want the app to do the work. CardStack+ adds Plaid sync, automatic credit detection, earned vs missed rewards, widgets, browser extensions, and Ask Stack. Try it free for 7 days, then $69.99/year or $7.99/month.
How is this different from a notes app?
CardStack knows each card's credit amounts, reset rules, and eligible merchants from a maintained database synced with the iOS app. You get structured reminders, links to each credit's guide, and annual fee coverage math. A notes app does not know your Resy credit resets quarterly.
How do I get started?
Download CardStack. Add your first premium card. Open credits. Mark what you have used this period. Allow notifications. Start with the credits closest to expiring. That is where free tracking pays off first.
Frequently asked questions
Is there a free app to track credit card statement credits?
Yes. CardStack is free to download and includes manual credit tracking on the free tier. Add cards, mark credits used, and get reminders without paying. CardStack+ adds automatic tracking via Plaid after a 7-day trial.
What is included in CardStack free tier?
Add cards from 100+ supported issuers. Track statement credits manually. See perks and benefits. Core app features without a subscription. Automatic credit detection requires CardStack+.
How much does CardStack+ cost?
CardStack+ is $69.99/year or $7.99/month after a 7-day free trial. It includes Plaid sync, auto credit detection, spending analysis, widgets, extensions, and Ask Stack.
Can I track Amex and Chase credits for free?
Yes. CardStack supports premium cards from Amex, Chase, Capital One, Citi, Bilt, and more on the free tier. You mark credits used yourself until you upgrade for automation.
Is a spreadsheet a good free alternative?
For one or two cards, maybe. Past that, reset dates and partial credits make spreadsheets stale. A purpose-built app sends reminders and links to each credit's redemption rules.