The 5 Best Apps for Tracking Credit Card Points and Miles

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Credit card rewards are a great way to save money where you spend most. And to ensure you’re getting the most from your points, miles, and cash back when it’s time to cash in, it can help to manage them in one place.

Apps designed for tracking rewards across multiple credit card accounts and travel or shopping loyalty programs can help simplify the redemption process. Not only can you use them to track the rewards you’ve earned, but also to find the redemption options that will bring you the most value for your rewards. Plus, all your rewards info is easily accessible on your phone, tablet, or computer.

These apps may be especially helpful for savvy cardholders who strategize by combining cards with different rewards to maximize every purchase. In fact, Americans, on average, each have nearly four credit cards in their wallets, according to 2021 data from Experian.

Maybe you use a general rewards card for your everyday spending, but you also have a co-branded card for the airline you fly with most frequently. If your card strategy involves pairing cards with different rewards and benefits, it can be time-consuming to keep track of each currency, expiration rules, and redemption methods — and even cost you value when you’re ready to redeem. 

Here’s more information about how tracking can help you maximize your credit cards, and a few apps we like for managing rewards. 

Why You Should Track Your Credit Card Rewards

If you’re dealing with multiple credit cards — especially if they earn points or miles under different rewards programs — knowing how much of each reward currency you have at a given time can help you maximize your spending and redemptions.

“If you’re the type of person that likes to bank your points for a big purchase, travel, or shopping, it’s helpful to track your rewards,” says Brittany Davis, associate financial planner at Brunch & Budget, an online financial planning and coaching service. “You can optimize and get more out of what you’ve saved.”

It’s easy to forget about differing rewards balances when life gets busy. When you’re ready to use them, having everything in one place can be advantageous so you can use the best points, miles or cash back program for the reward you have in mind.

For instance, say you’re planning an upcoming trip and want to redeem Delta SkyMiles to cover the cost of your flight, but the trip requires 60,000 miles and you only have 45,000 in your SkyMiles account. However, you also have an American Express credit card that earns Membership Rewards points, with a balance of 50,000 points. In this case, Delta is a transfer partner of Amex, so you could transfer the 15,000 miles you need to your Delta account, and cover your flight.

“With the right planning, tracking your credit card and banking rewards can help you make the most of everyday spending,” adds Roger Boschulte, credit card engagement and unsecured products executive at Bank of America. 

Another reason to track your rewards is to monitor expiration dates. It can be a major disappointment to save a stockpile of rewards only to have them expire before you have the chance to use them. Plus, tracking helps you spot discrepancies. For example, if you’re expecting points or miles after a hotel stay or a flight but they don’t appear within your account, you can quickly spot the issue and reach out to solve it.

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Editor’s Score: (4.5/5)
  • Intro offer:
    80,000 points
  • Annual fee:
    $95
  • Regular APR:
    16.24% – 23.24% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site
Learn More externa link icon
American Express® Gold Card

American Express® Gold Card

Editor’s Score: (4.3/5)
Learn More externa link icon
Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Editor’s Score: (4.3/5)
  • Intro offer:
    75,000 miles
  • Annual fee:
    $95
  • Regular APR:
    16.24% – 24.24% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Capital One’s secure site

What to Look for in an App for Tracking Credit Card Rewards

If you’re seeking an app or online account to track points and miles, there are a few things you should ensure the app offers before you sign up.

First, look for a list of supported programs. Make sure all — or at least a majority — of the credit card, travel, and shopping loyalty programs you’re a member of are supported by the app. Otherwise, you won’t be able to keep track of everything in one place.

Also consider how much you’re willing to spend, if anything at all. Many of these trackers are free apps, or offer a free version, so it’s not necessary to pay to track your rewards. But if you’re looking for something specific, or want more robust features, you may consider upgrading to a paid account. Just make sure the value you’re getting in travel savings or boosted rewards value is enough to offset that cost.

When it comes to specific features, choosing an app for tracking rewards can get a bit more subjective. Most options should at minimum allow you to add your accounts and track your spending and rewards in one place. But if you want to make sure you’re maximizing your spending, look for an app that offers tips on which card to use for your frequent purchases, or analyzes areas you could have saved. Or, if you’re looking for better redemption value, consider apps that allow you to compare different award redemptions you qualify for based on your programs.

Pro Tip

If you just want one app to track your credit card rewards, try downloading them all to see which interface and layout you like best.

Apps for Tracking Credit Card Rewards 

If you have multiple card accounts or rewards programs you’d like to consolidate into one place, this list includes a few options we’ve found that can help you keep your accounts sorted. These aren’t all the apps currently on the market for tracking rewards, but they are some of the most popular options with different uses and features. 

MaxRewards

MaxRewards is an app that tracks bonus categories, promotions, and offers on each of your rewards-earning credit cards, in addition to your points balances. 

For example, when you’re shopping for groceries, MaxRewards will scan the cards you’ve linked and show you the one with the highest points multiplier — which is a lot easier than having to remember each card’s bonus category at the point of sale. 

MaxRewards also keeps track of limited-time offers, helps you activate bonus categories for your cards, and tracks your progress toward a welcome offer. 

Most of the app’s features are completely free to use. There is a Gold member level that’s pay-what-you-wish and includes additional features like auto-activation of bonuses, offers and deals, and the option to get alerts before offers expire. That said, most people will get value from the free version without the added payment.  

AwardWallet

One of the longest-standing rewards tracking tools is AwardWallet. Whether using the desktop site or mobile app, you can add balances from nearly 700 loyalty programs, from credit cards and airlines to shopping programs like CVS ExtraCare and dining rewards like My Panera. 

With a free AwardWallet account, you can link your accounts and the app will automatically import your balances and sort them accordingly. You’re able to track the expiration date of your points or miles for up to three accounts with the free version. 

Beyond that, you’ll need to upgrade to AwardWallet Plus, which costs $30 per year. If you have special features with your card account, such as airline fee credits, companion fares or hotel free award nights, AwardWallet will track those, too (although these are also part of the paid upgrade).

AwardWallet is excellent at displaying balances if that’s all you need. Even the free basic account can help you gain a big picture view of all your loyalty accounts in one place. Plus, the service supports a huge variety of loyalty programs, but you’ll need to get the paid version for most of the advanced features. 

The Points Guy App

The Points Guy app features news and advice for points enthusiasts along with rewards tracking. Like NextAdvisor, The Points Guy is owned by Red Ventures. 

The app allows you to add your credit cards, track all your loyalty programs, and help you search for the best award trips for your travel plans and current rewards. You can also use it to track your spending across card accounts — including easy access to all the benefits available to you and a location-based feature that gives real-time tips on which card to use when making a purchase.

One thing to note: the app was recently released, and is only available in the Apple iOS app store for now. 

TripIt Pro

TripIt is a travel app you can use to track your itinerary and travel information when you plan trips. But if you’re willing to pay $49 a year for TripIt Pro, one of the included features is a point tracker. You can use the tracker to keep tabs on your credit card points balances as well as  various travel loyalty programs, including airlines, hotels, car rentals, trains, and cruises. The service can even alert you when your points or miles are close to expiration. 

If you travel frequently, or you already use the free version of TripIt for travel planning, having a point tracker can be a nice extra benefit. 

Mint

Mint isn’t a reward tracker in the same way some other options on our list are, but it can still be a useful tool for tracking points, miles, and spending. That’s because you can easily see all your transactions in one place, and filter down to view how much you’ve spent with your card within a certain timeframe. 

If you’re using multiple credit cards regularly, seeing them all in one place can also be a good way to ensure you’re staying within your budget and not overspending on any of your accounts.

It also assists you in keeping an eye out for fraudulent or suspicious transactions. Plus, you can view all your upcoming card bill due dates to make sure you’re current on all your accounts. 

Best Credit Cards to Earn Points and Miles

“The best credit card is dependent upon your lifestyle, how you spend, and what your priorities are,” says Boschulte. “Use a card that rewards you for the spending you’re already doing and offers redemption flexibility that matches your needs. Earning is just one part of the equation.” 

With that in mind, here are a few of our favorite rewards credit cards

Chase Sapphire Preferred

Chase Sapphire Preferred® Card
Learn More externa link icon
Chase Sapphire Preferred® Card
Editor’s Score: (4.5/5)
Apply Now externa link icon At Chase’s secure site.
Chase Sapphire Preferred® Card
Editor’s Score: (4.5/5)
  • Intro offer:
    80,000 points
  • Annual fee:
    $95
  • Regular APR:
    16.24% – 23.24% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

5x on travel purchased through Chase Ultimate Rewards®. 3x on dining. 2x on all other travel purchases, plus more.

NextAdvisor’s Take

Pros
  • Generous welcome offer
  • Tiered bonus points categories
  • 25% points boost when you redeem for travel through Chase Ultimate Rewards
  • 1:1 point transfer at airline and hotel partners
  • No foreign transaction fee
Cons
  • $95 annual fee
  • High APR
  • Need to spend within bonus categories to maximize rewards
  • Other cards have similar bonus categories with higher rewards rates
The Bottom Line
The Chase Sapphire Preferred is a tiered, points-earning rewards card geared toward frequent fliers. Its most valuable assets include a solid welcome bonus, premium points redemption options and access to Chase’s Pay Yourself Back program.

Additional Card Details

  • 25% redemption boost on points redeemed for travel through Chase Ultimate Rewards or eligible statement credits via Pay Yourself Back
  • Get 10% value of annual purchases back in points every account anniversary
  • $50 in annual hotel credits toward hotel stays booked through Chase
  • Primary auto rental collision damage waiver
  • Travel protections
  • Purchase protections

The Chase Sapphire Preferred card is our favorite rewards card with a fee under $100. For $95 annually, you’ll earn 5x points per dollar on travel when you book through Chase Ultimate Rewards (and 2x points for all other travel purchases), plus 3x points on dining (including takeout and delivery), online grocery purchases, and select streaming services. All other purchases earn 1 point per dollar. You can also earn a welcome bonus of 80,000 Ultimate Rewards points when you spend $4,000 in the first three months from account opening. 

The card comes with plenty of other benefits too, including an annual $50 hotel credit for stays purchased through Ultimate Rewards, 5x points on Lyft rides through March 2025, a 10% anniversary point bonus, no foreign transaction fees, and more.

The points you earn with the Chase Sapphire Preferred are Chase Ultimate Rewards points, and come with several flexible redemption options. You can redeem points for travel booked through Ultimate Rewards for a 25% boost; transfer to a variety of travel partners, including United, Southwest, and Hyatt; or choose to redeem for cash or gift cards.

American Express Gold Card

American Express® Gold Card
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American Express® Gold Card
Editor’s Score: (4.3/5)
Learn more externa link icon At our partner’s secure site. See Rates & Fees, Terms Apply.
American Express® Gold Card
Editor’s Score: (4.3/5)
  • Intro offer:
    60,000 points
  • Annual fee:
    $250
  • Regular APR:
    See Pay Over Time APR
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

NextAdvisor’s Take

Pros
  • Tiered points system
  • Welcome bonus offer
  • Annual credits
Cons
  • Annual fee
  • Value of points dependent on how you redeem
The Bottom Line
The American Express Gold Card offers a great rewards structure that lets you rack up points when you make everyday purchases on groceries and dining out. You’ll get the most value from your American Express Gold if you use your points to save on travel — especially if you transfer your points to airline or hotel partners. The Amex Gold is one of our favorite travel rewards credit cards, and frequent travelers can get a lot of value from it, even in spite of its $250 annual fee.

Additional Card Details

  • Up to $120 annual dining credit
  • Up to $120 in annual Uber Cash for Uber Eats orders or Uber rides
  • Up to $100 credit on qualifying activities when booking through the American Express Hotel Collection
  • $250 annual fee
  • Amex Offers
  • Car rental insurance
  • Global travel assistance hotline
  • Baggage insurance
  • Extended warranty on covered purchases
  • Purchase protection
  • Dispute resolution

The American Express Gold Card has a higher annual fee of $250, but plenty of benefits to help offset the cost. You’ll earn 4x points at restaurants (including takeout and delivery in the U.S.), 4x points at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1x), 3x points for flights booked directly with airlines or on amextravel.com, and 1x points on other eligible purchases. The Amex Gold card has a welcome offer of 60,000 points after spending $4,000 on eligible purchases in the first 6 months of card membership.

You’ll also get up to $120 annually in dining credits and up to $100 hotel credit on qualifying activities when booking through the Hotel Collection. If you can make use of the credits, that’s up to a $220 value that almost cancels out the $250 annual fee on its own. Plus, earn up to $120 in annual Uber Cash when you add your Gold card to your Uber account ($10 monthly credits).

The Amex Gold earns American Express Membership Rewards points, which you can redeem for travel through AmexTravel.com; transfer to travel partners including Delta, Hilton, Marriott, and many others; statement credits; online purchases; and more. 

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card
Learn More externa link icon
Capital One Venture Rewards Credit Card
Editor’s Score: (4.3/5)
Apply Now externa link icon At Capital One’s secure site.
Capital One Venture Rewards Credit Card
Editor’s Score: (4.3/5)
  • Intro offer:
    75,000 miles
  • Annual fee:
    $95
  • Regular APR:
    16.24% – 24.24% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Earn unlimited 2X miles on every purchase, every day.

NextAdvisor’s Take

Pros
  • Flat 2x miles on every purchase
  • Generous sign-up bonus
  • Flexible rewards redemptions
  • No foreign transaction fees
Cons
  • High variable APR
  • $95 annual fee
  • Travel transfer partners options and value aren’t as good as some other programs
The Bottom Line
The Capital One Venture Rewards Credit Card is a great travel credit card option for travel enthusiasts who value flexible rewards over premium benefits or credits. It even ranks among our best credit card picks. Double miles on every dollar you spend, a generous welcome bonus, and numerous redemption options can all go a long way to offset the card’s $95 annual fee — and help you save on future travel.

Additional Card Details

  • Flexible redemption options to use rewards toward future travel
  • No foreign transaction fees
  • Up to $100 credit toward Global Entry or TSA PreCheck® membership every four years
  • Two complimentary visits to Capital One Lounge locations each year

The Capital One Venture Rewards Credit Card earns flexible rewards without the need to track bonus categories. For a $95 annual fee, you’ll earn 2x miles on every purchase you make, and a boosted 5X miles on hotels and rental cars booked through Capital One Travel. There’s also a welcome offer of 75,000 miles after spending $4,000 on purchases within the first three months of account opening.

Other benefits include up to $100 in statement credits toward TSA PreCheck or Global Entry, up to two visits to Capital One Lounge locations each year, and no foreign transaction fees.

Editorial Independence

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

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