MaxWorth review
The widest scope in the category, on the fewest platforms: three countries, award search and portal comparison, iPhone only.
Card terms last verified against issuer pages on 2026-09-20.
MaxWorth makes the same core decision CardPointers does — no bank credentials, ever — then diverges on scope in both directions. It reaches further than anything else here on what it covers: cards in three countries, award flight search, portal comparison, renewal maths and subscriptions, in English and Chinese. It reaches less far on where it runs, being an iPhone app and a Chrome extension and nothing else, and on card-linked offers, which it activates at Amex and Chase only.
Weighted by the published rubric. Only benefit trackers are scored.
Never requested. There is no account-connection feature in the product at all.
Rarely discounted — the list price is what you actually pay.
Hand-verified card, benefit and earn-rate data for all three, including the six major Australian banks.
Beyond the basics
- Award flight search, built into the points tracker alongside balances. No other app in this comparison does award availability at all.
- Shopping portal comparison across 16 portals, so you can check whether a purchase is worth routing through one before you buy.
- Stackable offers: where a portal rate, a card-linked offer and a bonus category can be combined on the same purchase, it says so.
- Renewal maths on every annual fee — what the card returned against what it cost, at the point the fee is about to post.
- Subscription tracking alongside card credits, useful when a card's streaming credit is meant to be covering one of them.
- Nearby merchant map showing which card earns most where you are, with a dining mode and gift-card rates.
- Six named AI assistants rather than one chat box: spending, trips, benefits, card choice, retention calls and points transfers.
What it does well
- The only app in this category with real coverage outside the United States. Canadian and Australian cards are hand-verified, not scraped and hoped for.
- The widest scope of any app here once you look past credit tracking: award flight search, portal comparison across 16 shopping portals, stackable-offer detection and renewal maths all sit in the same product.
- Fully bilingual in English and Chinese, which nothing else here offers.
- Cheapest paid tier at list price, and the lifetime option means the payments stop: $159 once against MaxRewards' $108 every year.
- No account connection exists anywhere in the product, so there is no stored credential to be exposed.
- Tracks recurring subscriptions next to card credits, which no direct rival does.
Where it loses
- iPhone and Chrome only. No Android app, no web app, no Mac app. For a large share of readers this alone settles the comparison against it.
- Card-linked offers are activated at Amex and Chase only. If you hold Citi, Bank of America, Wells Fargo or U.S. Bank cards, those offers stay manual here and CardPointers reaches them.
- No Chase 5/24 tracking, so anyone applying on a schedule needs a second tool.
- No household or family profiles — two people means two subscriptions.
- The newest and smallest of the serious options, with correspondingly little third-party review coverage against which to check its claims, including the ones on this site.
- Credit tracking is manual, the same as CardPointers.
Verdict
The right pick if you hold Canadian or Australian cards, want the app in Chinese, or want the lowest price without waiting for a sale. On breadth it finishes behind CardPointers, and the missing Android app is the single biggest reason.
Buy it if
Cardholders outside the US, Chinese-speaking users, and anyone who would rather pay once than annually.
Look elsewhere if
Android users, Citi and BofA offer hunters, churners tracking 5/24, and households wanting one shared subscription.
MaxWorth against its direct rivals
| MaxWorth | CardPointers | MaxRewards | kardfolio | |
|---|---|---|---|---|
| Bank credentials | Never requested | Never requested | Bank login required & stored | 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 | Yes Automatic, read from your transactions | Yes Manual, across monthly, quarterly, annual, anniversary and per-use cadences |
| Marks credits used automatically | No | No | Yes | No |
| Card-linked offer activation | Yes Amex and Chase | Yes Amex, Chase, BofA, Citi, Wells Fargo, U.S. Bank | Yes The broadest issuer list in the category | No |
| Best card by spending category | Yes | Yes | Yes | Not confirmed |
| Points & rewards balance tracking | Yes | Yes | Yes | Not confirmed |
| Annual fee & expiry reminders | Yes | Yes | Yes | Yes |
| Welcome bonus progress | Yes | Yes | Yes | Not confirmed |
| Chase 5/24 tracking | No | Yes | Not confirmed | No |
| Household / family profiles | No | Yes Household profiles on one subscription | Not confirmed | No |
| Card-linked offers activated at | American Express, Chase | American Express, Chase, Bank of America, Citi, Wells Fargo, U.S. Bank | 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. | None |
| Platforms | 1iOS, Chrome ext. | 7iOS, Android, Web, Mac, Apple Watch, Apple Vision, CarPlay, Chrome ext., Safari ext., Firefox ext. | 4iOS, Android, Mac, Apple Vision, Chrome ext. | 2iOS, Web |
| Countries | United States, Canada, Australia | United States | United States | United States |
| Languages | English, Chinese | English | English | English |
| Price | $49.99/yr $159 lifetime | $89.99/yr $279.99 lifetime | from $108/yr | $55/yr |
Head-to-head
- CardPointers vs MaxWorth — Should I use CardPointers or MaxWorth?
- MaxRewards vs MaxWorth — Should I use MaxRewards or MaxWorth?
Questions people actually ask
Does MaxWorth require my bank login?
Never requested. Never requested. There is no account-connection feature in the product at all.
How much does MaxWorth cost?
Free tier · $7.99/mo · $49.99/yr · $159 once. Rarely discounted — the list price is what you actually pay. Verified 2026-09-20.
What platforms does MaxWorth run on?
iOS, Chrome ext..
Is MaxWorth worth it?
The right pick if you hold Canadian or Australian cards, want the app in Chinese, or want the lowest price without waiting for a sale. On breadth it finishes behind CardPointers, and the missing Android app is the single biggest reason. Best for: Cardholders outside the US, Chinese-speaking users, and anyone who would rather pay once than annually. Not for: Android users, Citi and BofA offer hunters, churners tracking 5/24, and households wanting one shared subscription.