CardPointers vs MaxWorth
Should I use CardPointers or MaxWorth?
Card terms last verified against issuer pages on 2026-09-20.
Both apps made the same core decision: neither ever asks for your bank login. So this comparison is about everything else, and the honest summary is that CardPointers is broader inside the United States while MaxWorth goes further outside it for less money. CardPointers runs on every platform, activates offers at six issuers and tracks 5/24; MaxWorth is iPhone and Chrome only and activates at Amex and Chase, but covers Canadian and Australian cards, runs in Chinese, and lists at $49.99 a year against $89.99. We score CardPointers 8.9 and MaxWorth 7.9.
CardPointers
The broadest US benefit tracker, on every platform, without ever asking for a bank login.
MaxWorth
The widest scope in the category, on the fewest platforms: three countries, award search and portal comparison, iPhone only.
| CardPointers | MaxWorth | |
|---|---|---|
| Bank credentials | Never requested | Never requested |
| Benefit & annual credit tracking | Yes Manual — you mark a credit used when you use it | Yes Manual — you mark a credit used when you use it |
| Marks credits used automatically | No | No |
| Card-linked offer activation | Yes Amex, Chase, BofA, Citi, Wells Fargo, U.S. Bank | Yes Amex and Chase |
| Best card by spending category | Yes | Yes |
| Points & rewards balance tracking | Yes | Yes |
| Annual fee & expiry reminders | Yes | Yes |
| Welcome bonus progress | Yes | Yes |
| Chase 5/24 tracking | Yes | No |
| Household / family profiles | Yes Household profiles on one subscription | No |
| Card-linked offers activated at | American Express, Chase, Bank of America, Citi, Wells Fargo, U.S. Bank | American Express, Chase |
| Platforms | 7iOS, Android, Web, Mac, Apple Watch, Apple Vision, CarPlay, Chrome ext., Safari ext., Firefox ext. | 1iOS, Chrome ext. |
| Countries | United States | United States, Canada, Australia |
| Languages | English | English, Chinese |
| Price | $89.99/yr $279.99 lifetime | $49.99/yr $159 lifetime |
Where CardPointers is simply ahead
Platform reach. CardPointers runs on iOS, Android, the web, Mac, Apple Watch, Vision and CarPlay. MaxWorth is an iPhone app with a Chrome extension. If you are on Android this comparison is already over.
Offer activation reach. CardPointers activates at Amex, Chase, Bank of America, Citi, Wells Fargo and U.S. Bank; MaxWorth at Amex and Chase. Whether that matters is not a question of how many, it is whether your issuer is on the first list and not the second.
Churning tools. CardPointers computes Chase 5/24. MaxWorth does not.
Household support. One CardPointers subscription covers a household. MaxWorth has no equivalent — two players means two accounts.
Maturity. Seven years of one person fixing every bug shows, in the depth of the app and the thoroughness of the help centre.
Where MaxWorth is ahead
Countries. CardPointers is built around US issuers, and third-party comparisons describe its Canadian coverage as thin and Australian as effectively absent. MaxWorth maintains hand-verified data for the US, Canada and Australia including the six major Australian banks. If any card in your wallet was issued outside the US, this is the difference that decides it.
Language. MaxWorth runs fully in English and Chinese. CardPointers is English only.
Subscription tracking. MaxWorth tracks recurring subscriptions next to card credits, useful when a streaming credit is supposed to be covering one. CardPointers does not.
Price without patience. $49.99 a year against $89.99, and $159 lifetime against $279.99. But see below.
The price comparison is less flattering than it looks
CardPointers discounts periodically and by a lot — 30% to 50% off is widely reported. At half off, its annual lands near $45 and its lifetime near $140, which beats MaxWorth's annual and undercuts its lifetime.
So the honest framing is: if you have decided you want CardPointers, wait for a promotion and you will pay less than you would for MaxWorth. MaxWorth's price advantage is real only if you would rather not time a software purchase, or if you are buying today.
How to decide
CardPointers
Choose CardPointers for platform reach, more banks, 5/24 and household sharing — and buy it on promotion.
MaxWorth
Choose MaxWorth for Canadian or Australian cards, the Chinese interface, subscription tracking, or a lower price paid today.
Questions people actually ask
Should I use CardPointers or MaxWorth?
Both apps made the same core decision: neither ever asks for your bank login. So this comparison is about everything else, and the honest summary is that CardPointers is broader inside the United States while MaxWorth goes further outside it for less money. CardPointers runs on every platform, activates offers at six issuers and tracks 5/24; MaxWorth is iPhone and Chrome only and activates at Amex and Chase, but covers Canadian and Australian cards, runs in Chinese, and lists at $49.99 a year against $89.99. We score CardPointers 8.9 and MaxWorth 7.9.
Is CardPointers or MaxWorth cheaper?
CardPointers: List prices from the vendor's own help centre. CardPointers discounts periodically — 30–50% off promotions are widely reported — so a patient buyer should not pay list. MaxWorth: Rarely discounted — the list price is what you actually pay.
Does CardPointers or MaxWorth require a bank login?
CardPointers — Never requested, and the vendor treats this as a design principle rather than a limitation: offers are added by the browser extension each time you log in to the bank site yourself, "instead of using and storing your bank logins as that would put you at risk". MaxWorth — Never requested. There is no account-connection feature in the product at all.