Built by Tom Van De Putte, an independent developer. Which card should you use for this? And are your cards still worth their fees? ValueStack answers both from the cards you actually hold: it tracks every credit, free night and lounge pass before it expires, shows whether each fee is paying for itself, and tells you which card to reach for at a checkout. No account. No bank logins. Free for two cards.
WHICH CARD, RIGHT NOW
Pick what you're paying for — a trip, dinner, groceries, fuel, rent — and add the rough amount. For each line you get one card from your wallet and the arithmetic behind it: the earn rate, any open credit or free night the purchase would draw down, and the published cover that applies. A trip can come back as three cards: flight, hotel, car. It knows which rates only apply through the card's own travel site, and says so when it lacks the data instead of guessing.
SET UP IN UNDER A MINUTE
Pick your country and type a card name. Its fee, credits and benefits are filled in for you: 432 cards across eleven countries (US, UK, Canada, Australia, India, Singapore, Belgium, Brazil, Mexico, Japan, UAE), in your own currency and in English, Portuguese, Spanish or Japanese. Not listed? Add it by hand and track it the same way.
CHECK OFF AS YOU GO
Used your dining credit this month? Tap it. Credits reset themselves when a new period starts. Started mid-year? A catch-up control marks the periods you've already used. The Overview then shows what you've captured this year against what you've paid, per card and across your wallet, counted only from what you checked off.
NOTHING EXPIRES UNNOTICED
Everything unused is sorted by what resets soonest, with a countdown on each. Lounge visits, free nights and companion vouchers are tracked per card, and a voucher you've earned counts as money the next time Which Card sees a purchase it could pay for.
ON YOUR HOME SCREEN, ON EVERY DEVICE
A widget shows your open credits and the next reset without opening the app. Turn on iCloud sync and your iPhone and iPad share one wallet, through your own iCloud account. We never see it.
PRIVATE BY DESIGN
• Everything stays on your device, or in your own iCloud if you choose to sync
• No account, no sign-in, no bank connection
• Nothing is shared with anyone: no analytics SDKs, no advertising, no tracking
It also exports to a file you keep, and restores on any device.
FREE AND PLUS
Free for up to two cards, with full tracking: credits, benefits, catch-up, expiry sorting, Which Card and the fee math. ValueStack Plus adds unlimited cards, reminders before a credit resets, iCloud sync and the widget, as a monthly or annual subscription or a one-time lifetime purchase. If a subscription lapses, nothing is deleted or hidden. A year of Plus costs less than one forgotten $15 monthly credit.
A NOTE ON ACCURACY
Card terms change often. Built-in amounts and earn rates are starting points: every value is editable, so confirm current terms with your issuer. ValueStack is a personal tracking tool, not financial advice, and has no relationship with any card issuer.
VALUESTACK PLUS SUBSCRIPTION
• ValueStack Plus Monthly: $1.99 per month
• ValueStack Plus Annual: $14.99 per year, with a 7-day free trial for new subscribers
Prices are shown in your local currency, and the exact amount appears in the app before you buy. Payment is charged to your Apple Account at confirmation of purchase. A subscription renews automatically at the same price unless it is cancelled at least 24 hours before the end of the current period. Manage or cancel your subscription in your Apple Account settings at any time. Any unused portion of a free trial is forfeited if you buy a subscription during the trial period.
ValueStack Plus is also available as a one-time lifetime purchase, which is not a subscription and does not renew.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://tomvdp12.github.io/valuestack-privacy/
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