SwipeCaddy vs CardPointers
SwipeCaddy Pro is $29.99 a year, the cheapest paid tier in this category — CardPointers is $71.99, Kudos Premium $71.95 and MaxRewards Gold $108 — and it is the only one of the four that never asks to connect a bank account at all.
Every claim below is checked against the other product's own pricing page or help centre, with the source linked and the date shown. We take no affiliate commission from anyone here, including ourselves.
| App | Free tier | Paid, per year | One-time | Bank login |
|---|---|---|---|---|
| SwipeCaddyVerified July 31, 2026 | Yes | $29.99/yr (source) | $99.99 (source) | Never asked (source) |
| CardPointersVerified July 31, 2026 | Yes | $71.99/yr (source) | $239.99 (source) | Optional (source) |
What SwipeCaddy does differently
It answers one question — which card already in your wallet to use, right here — and answers it without an account, without your bank, and computed on your phone. The full card, category and store catalogue is free on this website with no signup at all. Pro is $29.99 a year, under half the cheapest paid tier of the other three.
When one of these is the better pick
We would rather you chose well than chose us. If you want card-linked offers activated for you automatically across Amex, Chase, Citi and Bank of America, or a two-year transaction history, or your credit score in the same app, SwipeCaddy does none of that and the paid tiers above do. Those features need your bank credentials, which is the trade we have decided not to make. If that trade is worth it to you, MaxRewards Gold goes furthest.
How we compared
Prices are the regular prices published by each vendor, not promotional ones — this category discounts heavily and often, so a sale price would be out of date within a week. “Bank login” means whether the product needs your bank or card-issuer credentials for its paid features to work, not whether it is secure. We re-check these on the same weekly cadence as our card data, and the date on each row is when it was last confirmed.