Best Apps for Tracking Credit Card Rewards


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Bank card rewards are a good way to economize the place you spend most. And to make sure you’re getting essentially the most out of your factors, miles, and money again when it’s time to money in, it will probably assist to handle them in a single place.

Apps designed for monitoring rewards throughout a number of bank card accounts and journey or purchasing loyalty packages may help simplify the redemption course of. Not solely can you employ them to trace the rewards you’ve earned, but in addition to search out the redemption choices that may convey you essentially the most worth to your rewards. Plus, all of your rewards data is well accessible in your cellphone, pill, or pc.

These apps could also be particularly useful for savvy cardholders who strategize by combining playing cards with totally different rewards to maximise each buy. In truth, Individuals, on common, every have almost 4 bank cards of their wallets, in keeping with 2021 data from Experian.

Possibly you employ a common rewards card to your on a regular basis spending, however you even have a co-branded card for the airline you fly with most steadily. In case your card technique includes pairing playing cards with totally different rewards and advantages, it may be time-consuming to maintain observe of every foreign money, expiration guidelines, and redemption strategies — and even price you worth if you’re able to redeem. 

Right here’s extra details about how monitoring may help you maximize your bank cards, and some apps we like for managing rewards. 

Why You Ought to Observe Your Credit score Card Rewards

If you happen to’re coping with a number of bank cards — particularly in the event that they earn factors or miles beneath totally different rewards packages — realizing how a lot of every reward foreign money you will have at a given time may help you maximize your spending and redemptions.

“If you happen to’re the kind of individual that likes to financial institution your factors for a giant buy, journey, or purchasing, it’s useful to trace your rewards,” says Brittany Davis, affiliate monetary planner at Brunch & Price range, an internet monetary planning and training service. “You’ll be able to optimize and get extra out of what you’ve saved.”

It’s straightforward to overlook about differing rewards balances when life will get busy. While you’re prepared to make use of them, having all the things in a single place could be advantageous so you should use the most effective factors, miles or money again program for the reward you take into account.

As an example, say you’re planning an upcoming journey and need to redeem Delta SkyMiles to cowl the price of your flight, however the journey requires 60,000 miles and also you solely have 45,000 in your SkyMiles account. Nonetheless, you even have an American Specific bank card that earns Membership Rewards factors, with a stability of fifty,000 factors. On this case, Delta is a switch accomplice of Amex, so you would switch the 15,000 miles you have to your Delta account, and canopy your flight.

“With the appropriate planning, monitoring your bank card and banking rewards may help you profit from on a regular basis spending,” provides Roger Boschulte, bank card engagement and unsecured merchandise government at Financial institution of America. 

Another excuse to trace your rewards is to observe expiration dates. It may be a significant disappointment to save lots of a stockpile of rewards solely to have them expire earlier than you will have the possibility to make use of them. Plus, monitoring helps you see discrepancies. For instance, in the event you’re anticipating factors or miles after a lodge keep or a flight however they don’t seem inside your account, you’ll be able to shortly spot the difficulty and attain out to unravel it.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Editor’s Rating: (4.5/5)

  • Intro bonus:
  • Annual charge:

    $95

  • Common APR:

    15.99%-22.99% Variable

  • Advisable credit score:

    670-850 (Good to Glorious)

  • Apply Now externa link icon At
    Chase’s
    safe website
American Express® Gold Card

American Express® Gold Card

Editor’s Rating: (4.3/5)

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Editor’s Rating: (4.3/5)

  • Intro bonus:
  • Annual charge:

    $95

  • Common APR:

    15.99% – 23.99% (Variable)

  • Advisable credit score:

    670-850 (Good to Glorious)

  • Learn more externa link icon At
    our accomplice’s
    safe website

What to Search for in an App for Monitoring Credit score Card Rewards

If you happen to’re in search of an app or on-line account to trace factors and miles, there are some things it is best to make sure the app presents earlier than you enroll.

First, search for an inventory of supported packages. Make certain all — or no less than a majority — of the bank card, journey, and purchasing loyalty packages you’re a member of are supported by the app. In any other case, you received’t be capable to preserve observe of all the things in a single place.

Additionally take into account how a lot you’re prepared to spend, if something in any respect. Many of those trackers are free apps, or supply a free model, so it’s not essential to pay to trace your rewards. However in the event you’re in search of one thing particular, or need extra sturdy options, you could take into account upgrading to a paid account. Simply be sure that the worth you’re getting in journey financial savings or boosted rewards worth is sufficient to offset that price.

In terms of particular options, selecting an app for monitoring rewards can get a bit extra subjective. Most choices ought to at minimal can help you add your accounts and observe your spending and rewards in a single place. However if you wish to ensure you’re maximizing your spending, search for an app that provides tips about which card to make use of to your frequent purchases, or analyzes areas you would have saved. Or, in the event you’re in search of higher redemption worth, take into account apps that can help you evaluate totally different award redemptions you qualify for primarily based in your packages.

Professional Tip

If you happen to simply need one app to trace your bank card rewards, strive downloading all of them to see which interface and structure you want finest.

Apps for Monitoring Credit score Card Rewards 

When you have a number of card accounts or rewards packages you’d prefer to consolidate into one place, this listing features a few choices we’ve discovered that may allow you to preserve your accounts sorted. These aren’t all of the apps presently in the marketplace for monitoring rewards, however they’re a number of the hottest choices with totally different makes use of and options. 

MaxRewards

MaxRewards is an app that tracks bonus classes, promotions, and presents on every of your rewards-earning bank cards, along with your factors balances. 

For instance, if you’re looking for groceries, MaxRewards will scan the playing cards you’ve linked and present you the one with the best factors multiplier — which is loads simpler than having to recollect every card’s bonus class on the level of sale. 

MaxRewards additionally retains observe of limited-time presents, helps you activate bonus classes to your playing cards, and tracks your progress towards a welcome supply. 

A lot of the app’s options are fully free to make use of. There’s a Gold member degree that’s pay-what-you-wish and consists of extra options like auto-activation of bonuses, presents and offers, and the choice to get alerts earlier than presents expire. That stated, most individuals will get worth from the free model with out the added cost.  

AwardWallet

One of many longest-standing rewards monitoring instruments is AwardWallet. Whether or not utilizing the desktop website or cell app, you’ll be able to add balances from almost 700 loyalty packages, from bank cards and airways to purchasing packages like CVS ExtraCare and eating rewards like My Panera. 

With a free AwardWallet account, you’ll be able to hyperlink your accounts and the app will mechanically import your balances and kind them accordingly. You’re capable of observe the expiration date of your factors or miles for as much as three accounts with the free model. 

Past that, you’ll must improve to AwardWallet Plus, which prices $30 per 12 months. When you have particular options along with your card account, resembling airline charge credit, companion fares or lodge free award nights, AwardWallet will observe these, too (though these are additionally a part of the paid improve).

AwardWallet is superb at displaying balances if that’s all you want. Even the free fundamental account may help you acquire a giant image view of all of your loyalty accounts in a single place. Plus, the service helps an enormous number of loyalty packages, however you’ll must get the paid model for a lot of the superior options. 

The Factors Man App

The Points Guy app options information and recommendation for factors fans together with rewards monitoring. Like NextAdvisor, The Factors Man is owned by Crimson Ventures. 

The app lets you add your bank cards, observe all of your loyalty packages, and allow you to seek for the most effective award journeys to your journey plans and present rewards. You too can use it to trace your spending throughout card accounts — together with easy accessibility to all the advantages obtainable to you and a location-based characteristic that offers real-time tips about which card to make use of when making a purchase order.

One factor to notice: the app was not too long ago launched, and is simply obtainable within the Apple iOS app retailer for now. 

TripIt Professional

TripIt is a journey app you should use to trace your itinerary and journey data if you plan journeys. However in the event you’re prepared to pay $49 a 12 months for TripIt Pro, one of many included options is some extent tracker. You need to use the tracker to maintain tabs in your bank card factors balances in addition to  numerous journey loyalty packages, together with airways, motels, automotive leases, trains, and cruises. The service may even provide you with a warning when your factors or miles are near expiration. 

If you happen to journey steadily, otherwise you already use the free model of TripIt for journey planning, having some extent tracker could be a good additional profit. 

Mint

Mint isn’t a reward tracker in the identical manner another choices on our listing are, however it will probably nonetheless be a useful gizmo for monitoring factors, miles, and spending. That’s as a result of you’ll be able to simply see all of your transactions in a single place, and filter all the way down to view how a lot you’ve spent along with your card inside a sure timeframe. 

If you happen to’re utilizing a number of bank cards recurrently, seeing them multi functional place can be a great way to make sure you’re staying inside your finances and never overspending on any of your accounts.

It additionally assists you in preserving a watch out for fraudulent or suspicious transactions. Plus, you’ll be able to view all of your upcoming card invoice due dates to ensure you’re present on all of your accounts. 

Greatest Credit score Playing cards to Earn Factors and Miles

“The perfect bank card depends upon your life-style, the way you spend, and what your priorities are,” says Boschulte. “Use a card that rewards you for the spending you’re already doing and presents redemption flexibility that matches your wants. Incomes is only one a part of the equation.” 

With that in thoughts, listed below are a number of of our favorite rewards credit cards

Chase Sapphire Most well-liked

Chase Sapphire Preferred® Card Chase Sapphire Preferred® Card

Editor’s Rating: (4.5/5)

Apply Now externa link icon At Chase’s safe website.

Chase Sapphire Preferred® Card

Editor’s Rating: (4.5/5)

  • Intro bonus:

    60,000 factors

  • Annual charge:

    $95

  • Common APR:

    15.99%-22.99% Variable

  • Advisable credit score rating:

    670-850 (Good to Glorious)

Rewards fee:

5x on journey bought by way of Chase Final Rewards®. 3x on eating. 2x on all different journey purchases, plus extra.

NextAdvisor’s Take

Execs

  • Beneficiant welcome supply
  • Tiered bonus factors classes
  • 25% factors enhance if you redeem for journey by way of Chase Final Rewards
  • 1:1 level switch at airline and lodge companions
  • No overseas transaction charge

Cons

  • $95 annual charge
  • Excessive APR
  • Must spend inside bonus classes to maximise rewards
  • Different playing cards have comparable bonus classes with larger rewards charges

The Backside Line

The Chase Sapphire Most well-liked is a tiered, points-earning rewards card geared towards frequent fliers. Its most useful belongings embody a stable welcome bonus, premium factors redemption choices and entry to Chase’s Pay Your self Again program.

Further Card Particulars

  • 25% redemption enhance on factors redeemed for journey by way of Chase Final Rewards or eligible assertion credit by way of Pay Your self Again
  • 5x factors per $1 spent on Lyft rides by way of March 2022
  • Earn as much as $60 in assertion credit towards Peloton membership by way of Dec. 2021
  • 12 month complimentary DashPass from DoorDash subscription (activate by March 31, 2022)
  • Main auto rental collision harm waiver
  • Journey protections
  • Buy protections

The Chase Sapphire Preferred card is our favorite rewards card with a fee under $100. For $95 yearly, you’ll earn 5x factors per greenback on journey if you guide by way of Chase Final Rewards (and 2x factors for all different journey purchases), plus 3x factors on eating (together with takeout and supply), on-line grocery purchases, and choose streaming companies. All different purchases earn 1 level per greenback. You too can earn a welcome bonus of 60,000 Final Rewards factors if you spend $4,000 within the first three months from account opening. 

The cardboard comes with loads of other benefits too, together with an annual $50 lodge credit score for stays bought by way of Final Rewards, 5x factors on Lyft rides by way of March 2022, a ten% anniversary level bonus, no overseas transaction charges, and extra.

The factors you earn with the Chase Sapphire Most well-liked are Chase Ultimate Rewards points, and include a number of versatile redemption choices. You’ll be able to redeem factors for journey booked by way of Final Rewards for a 25% enhance; switch to a wide range of journey companions, together with United, Southwest, and Hyatt; or select to redeem for money or reward playing cards.

American Specific Gold Card

American Express® Gold Card American Express® Gold Card

Editor’s Rating: (4.3/5)

Learn more externa link icon At our accomplice’s safe website. See Rates & Fees, Phrases Apply.

American Express® Gold Card

Editor’s Rating: (4.3/5)

  • Intro bonus:

    60,000 factors

  • Annual charge:

    $250

  • Common APR:

    See Pay Over Time APR

  • Advisable credit score rating:

    670-850 (Good to Glorious)

Rewards fee:

Earn 4X Membership Rewards® Factors at Eating places, together with takeout and supply. Earn 4X Membership Rewards® factors at U.S. supermarkets (on as much as $25,000 per calendar 12 months in purchases, then 1X). Earn 3X Membership Rewards® factors on flights booked straight with airways or on amextravel.com.

The American Express Gold Card has a better annual charge of $250, however loads of advantages to assist offset the fee. You’ll earn 4x factors at eating places (together with takeout and supply), 4x factors at U.S. supermarkets (on as much as $25,000 in purchases per calendar 12 months, then 1x), 3x factors for flights booked straight with airways or on amextravel.com, and 1x factors on different eligible purchases. The Amex Gold card has a welcome supply of 60,000 factors after spending $4,000 on eligible purchases within the first 6 months of card membership.

You’ll additionally stand up to $120 yearly in eating credit and as much as $100 lodge credit score on qualifying actions when reserving by way of the Lodge Assortment. If you can also make use of the credit, that’s as much as a $220 worth that almost cancels out the $250 annual fee by itself. Plus, earn as much as $120 in annual Uber Money if you add your Gold card to your Uber account, and 4x factors on Uber Eats purchases.

The Amex Gold earns American Express Membership Rewards points, which you’ll redeem for journey by way of AmexTravel.com; switch to journey companions together with Delta, Hilton, Marriott, and lots of others; assertion credit; on-line purchases; and extra. 

Capital One Enterprise Rewards Credit score Card

Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card

Editor’s Rating: (4.3/5)

Learn more externa link icon At our accomplice’s safe website.

Capital One Venture Rewards Credit Card

Editor’s Rating: (4.3/5)

  • Intro bonus:

    60,000 miles

  • Annual charge:

    $95

  • Common APR:

    15.99% – 23.99% (Variable)

  • Advisable credit score rating:

    670-850 (Good to Glorious)

Rewards fee:

Earn 5X miles on motels and rental vehicles booked by way of Capital One Journey, the place you’ll get Capital One’s finest costs on 1000’s of journey choices. Earn limitless 2X miles on each buy, every single day.

NextAdvisor’s Take

Execs

  • Flat 2x miles on each buy
  • Beneficiant sign-up bonus
  • Versatile rewards redemptions
  • No overseas transaction charges

Cons

  • Excessive variable APR
  • $95 annual charge
  • Journey switch companions choices and worth aren’t pretty much as good as another packages

The Backside Line

The Capital One Enterprise Rewards Credit score Card* is a superb journey bank card choice for journey fans who worth versatile rewards over premium advantages or credit. It even ranks amongst our greatest bank card picks. Double miles on each greenback you spend, a beneficiant welcome bonus, and quite a few redemption choices can all go a protracted strategy to offset the cardboard’s $95 annual charge — and allow you to save on future journey.

Further Card Particulars

  • Versatile redemption choices to make use of rewards towards future journey
  • No overseas transaction charges
  • As much as $100 credit score towards International Entry or TSA PreCheck membership each 4 years
  • Two complimentary visits to Capital One Lounge areas every year
  • Journey and buy protections

The Capital One Venture Rewards Credit Card earns versatile rewards with out the necessity to observe bonus classes. For a $95 annual charge, you’ll earn 2x miles on each buy you make, and a boosted 5X miles on motels and rental vehicles booked by way of Capital One Journey. There’s additionally a welcome supply of 60,000 miles after spending $3,000 on purchases within the first three months.

You need to use your rewards to guide journey by way of Capital One, “erase” any travel-related purchases out of your assertion utilizing miles or switch to journey companions together with Air Canada, Air France, Qantas, and Wyndham. 

Different advantages embody as much as $100 in assertion credit towards TSA PreCheck or International Entry, as much as two visits to Capital One Lounge areas every year, and no overseas transaction charges.

Editorial Independence

As with all of our bank card opinions, our analysis isn’t influenced by any partnerships or promoting relationships.



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Best Apps for Tracking Credit Card Rewards

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