MaxRewards vs MaxWorth
Should I use MaxRewards or MaxWorth?
Card terms last verified against issuer pages on 2026-09-20.
The feature lists overlap heavily — both do best-card-by-category, offer activation, nearby merchant maps, benefit tracking and welcome bonus progress. There is one structural difference and it decides the comparison: MaxRewards requires and stores your bank login, which makes its credit tracking automatic and gives it far broader issuer coverage for offers. MaxWorth never asks for credentials, so its tracking is manual, and it activates offers at Amex and Chase where MaxRewards reaches many more issuers. MaxWorth covers Canada and Australia; MaxRewards is US-only.
MaxRewards
The only app that marks your credits used automatically — because it reads your transactions.
MaxWorth
The widest scope in the category, on the fewest platforms: three countries, award search and portal comparison, iPhone only.
| MaxRewards | MaxWorth | |
|---|---|---|
| Bank credentials | Bank login required & stored | Never requested |
| Benefit & annual credit tracking | Yes Automatic, read from your transactions | Yes Manual — you mark a credit used when you use it |
| Marks credits used automatically | Yes | No |
| Card-linked offer activation | Yes The broadest issuer list in the category | 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 | Not confirmed | No |
| Household / family profiles | Not confirmed | No |
| Card-linked offers activated at | American Express, Chase, Capital One, Bank of America, Citi, Wells Fargo, U.S. Bank, Discover, Barclays Its own marketing claims 20+ issuers. We list the ones named explicitly; the total is the vendor's figure, not ours. | American Express, Chase |
| Platforms | 4iOS, Android, Mac, Apple Vision, Chrome ext. | 1iOS, Chrome ext. |
| Countries | United States | United States, Canada, Australia |
| Languages | English | English, Chinese |
| Price | from $108/yr | $49.99/yr $159 lifetime |
The one difference that matters
MaxRewards signs in to your accounts and reads your statements. That is how it knows your dining credit posted. MaxWorth has no account-connection feature at all, so it knows your benefit terms exactly — cycle, cap, reset date — but depends on you to say when a credit was used.
Precise on the rules, dependent on you for the usage. Whether that is a fair trade depends on a question only you can answer: will you actually mark them?
Where MaxRewards is clearly better
Offer activation reach. MaxRewards names Amex, Chase, Capital One, Bank of America, Citi, Wells Fargo, U.S. Bank, Discover and Barclays among its issuers. MaxWorth reaches Amex and Chase. If your wallet is spread across issuers, check yours against both lists.
Automatic tracking, as above.
Credit score monitoring, spend analysis and transaction categorisation, none of which MaxWorth has.
Android. MaxRewards has an app; MaxWorth does not.
Where MaxWorth is clearly better
No credentials anywhere in the product, so there is nothing of yours to be exposed. That is a narrower promise than "we take security seriously", and it does not depend on us being good at anything.
Canada and Australia. MaxRewards is US-only.
English and Chinese.
Price shape. $159 once against $108 every year, with monthly billing available on our side and annual-only on theirs. Past roughly eighteen months the arithmetic separates sharply.
Subscription tracking.
How to decide
MaxRewards
Choose MaxRewards for automatic tracking and the widest issuer coverage, if you accept storing bank credentials with a third party.
MaxWorth
Choose MaxWorth to keep credentials out of the picture entirely, for non-US cards, or to stop paying after one purchase.
Questions people actually ask
Should I use MaxRewards or MaxWorth?
The feature lists overlap heavily — both do best-card-by-category, offer activation, nearby merchant maps, benefit tracking and welcome bonus progress. There is one structural difference and it decides the comparison: MaxRewards requires and stores your bank login, which makes its credit tracking automatic and gives it far broader issuer coverage for offers. MaxWorth never asks for credentials, so its tracking is manual, and it activates offers at Amex and Chase where MaxRewards reaches many more issuers. MaxWorth covers Canada and Australia; MaxRewards is US-only.
Is MaxRewards or MaxWorth cheaper?
MaxRewards: Gold starts at $108/yr on a sliding scale, with a 7-day trial. Annual billing only — monthly was discontinued — so trying it means committing to a year. A Platinum tier with business expense tools exists; we could not confirm its current price from a primary source. No lifetime option. MaxWorth: Rarely discounted — the list price is what you actually pay.
Does MaxRewards or MaxWorth require a bank login?
MaxRewards — Required, stored, and there is no opt-out. Notably, MaxRewards does not use Plaid or MX — its help centre says it built "our own connector technology" precisely because aggregators cannot reach reward balances and credit scores. Credentials are encrypted under two separate keys held in databases at two different cloud providers, with the app reaching them only through a validating middleware layer. That is a serious design. It is still a working copy of your bank login, held by someone other than you. MaxWorth — Never requested. There is no account-connection feature in the product at all.