Here’s How To Stop Missing Out On Credit Card Rewards

By Gerri Detweiler

It was a small enterprise bank card that lastly satisfied me to get critical about incomes bank card rewards. Though I had been writing about credit score for years, I solely dabbled in my very own efforts to earn rewards. I might enviously learn tales about first-class worldwide journeys paid for with factors, or enterprise house owners who managed to earn vital money again rewards, however I’d discover myself too busy to learn to do the identical.

Then I examine how small enterprise house owners might use a “journey hack” to earn a Southwest Speedy Rewards Companion Cross, which permits the cardholder to fly a companion with them free of charge for a 12 months. I can do this, I assumed.

Right here’s the way it labored: I applied for the business and shopper variations of Southwest Speedy Rewards playing cards—each of which had been providing beneficiant welcome bonuses for assembly minimal spending necessities inside a sure time frame. By charging the whole lot I might to these playing cards, I met these thresholds and earned a lot of Speedy Rewards factors in addition to progress towards the Companion Cross.

These factors, mixed with the factors I used to be incomes by flying Southwest for enterprise journeys, allowed me to earn sufficient qualifying factors to qualify for a Companion Cross. Even higher, I used to be then capable of keep it for 4 years. I used it for effectively over a dozen flights, saving a number of 1000’s of {dollars} in airfare for journeys the place members of the family had been capable of be part of me.

Are you maximizing your bank card rewards?

As soon as I noticed how straightforward it was, I regretted that I did not take rewards factors extra critically sooner. However I’m not alone. In a January 2022 survey of outstanding private finance bloggers by Uthrive, 69% stated they aren’t assured they’re incomes probably the most rewards, regardless that 80% of them stated they actively handle their spending to maximise rewards.

Uthrive is the primary private finance app to generate personalized rewards suggestions versus common recommendation supplied by blogs. It’s the sort of device that might seemingly have made me a rewards aficionado loads sooner.

“Small enterprise house owners are in a very good place to benefit from bank card rewards,” says Jason Steele, a bank card knowledgeable I’ve adopted for years and who’s consulting with Uthrive. “The bank card trade is extraordinarily aggressive, and most small enterprise house owners depart some huge cash on the desk as a result of they aren’t utilizing the suitable bank card,” he notes.

Steele factors out that many small enterprise house owners will spend much more on their enterprise bank cards than their private playing cards, they usually could also be eligible for spending bonuses on widespread enterprise purchases, similar to promoting, telecommunications, or gasoline. However, he says, “It may be exhausting to memorize which retailers supply advantages for sure purchases. Uthrive permits small enterprise house owners to see precisely which card they’ve will supply probably the most rewards for a selected buy, primarily based on their geolocation.”

If, like me, you’re unsure you’re taking advantage of your bank card rewards, there are a variety of apps, together with Uthrive, that may enable you to select the suitable playing cards, after which maximize the rewards you earn. I requested the creators of those apps to share their apps’ high options and what makes them distinctive, in an effort to benefit from bank card rewards packages.

Apps that can assist you earn probably the most from what you are promoting bank cards

Card Curator

Card Curator is a bank card rewards optimization app that helps customers obtain their rewards targets, whether or not it’s for journey or charitable giving, by serving to them earn as much as 5 occasions or extra on their common month-to-month card spending by means of personalised and unbiased bank card suggestions. The app additionally affords customers steering on the suitable card to make use of for his or her purchases.

Price: There are two variations of Card Curator: a free model and a premium model. The free model maximizes rewards for money again, return [in points and miles], and charitable giving. The premium model maximizes rewards for money again, return [in points and miles], charitable giving, journey, flights, and resorts.

What makes Card Curator distinctive? CEO John Garner says: “Customers can set in addition to monitor their rewards targets for journey, charitable giving, or money again. They enter their objective into the objective tracker, and sync up their present credit score or debit playing cards into the app; Card Curator’s proprietary algorithm will then advocate which playing cards to use for, downgrade, or cancel primarily based on [a user’s] major objective and spending habits.

“Card Curator additionally helps customers sustain with sign-up bonuses by permitting them to trace their bonuses. The app will notify customers as effectively on what is required to satisfy the minimal spend. By notifying and monitoring the sign-up bonuses for customers, the app ensures that customers meet the minimal spend for his or her sign-up bonuses throughout the designated time-frame.

“Moreover, the app guides customers on which bank card to make use of for each buy. For example, in the event you’re at a grocery retailer, the app will choose up in your geolocation and can then advocate you utilize your Amex Gold Card in your buy as that card earns 4 occasions the factors on groceries.

“Lastly, the app provides suggestions to customers on the easiest way to mix or switch factors, which additional maximizes a card’s reward worth and minimizes the necessity to apply for brand new playing cards. The app additionally tells you whether or not to make use of your current factors or miles first.”


CardWiz is a hyper-personalized bank card suggestion and comparability app. Customers take a brief quiz and get matched to playing cards primarily based on the rewards worth particular to them.

CardWiz can maximize no matter rewards a consumer is on the lookout for—for each private and enterprise bank cards. If a consumer is on the lookout for money again, it is going to maximize that; if a consumer is on the lookout for Delta SkyMiles, it could possibly consider factors transfers and maximize Delta SkyMiles. As bank cards launch that supply different varieties of rewards, similar to cryptocurrency, CardWiz will enable customers to maximise alternatives to earn these rewards.

Price: Free

What makes CardWiz distinctive? Founder Peter Gabbay says: “CardWiz is the one app that components within the rewards the consumer already will get from their present playing cards and permits for top ranges of customization like most well-liked rewards packages or customized level values. It is merely extra personalised and subsequently extra correct and rewarding. It is also probably the most enjoyable!”


CashFreely is a free app that helps customers discover one of the best new bank cards; it additionally helps customers monitor their bank cards, key dates for sign-up bonuses, and annual charges.

Price: Free

What makes CashFreely distinctive? Founder Zac Hood says: “CashFreely’s method to incomes money again is really distinctive. It turns conventional money again incomes the wrong way up by incomes extra cash again in much less time. CashFreely maximizes an individual’s common month-to-month spending by leveraging massive sign-up bonus affords. CashFreely customers common $1,500 in money again yearly, whereas the common American family solely earns $230 in money again.

“CashFreely teaches customers how to do that and retains them organized. Our app is 100% free. We don’t ask for financial institution logins. We don’t retailer any confidential data.”

CashFreely member advantages embody:

  • Customized, ranked card affords
  • Electronic mail reminders and notifications for bonus deadlines or annual charges
  • Capacity to trace a number of playing cards (as much as two customers) in a single place
  • Card particulars—stats, advantages, and spending classes
  • Safety—customers by no means have handy over financial institution particulars or passwords

Extra articles from


MaxRewards helps folks handle their bank cards, monitor their credit score scores, and maximize their rewards, money again, and advantages. Customers can regulate the valuation of factors and miles, and translate them into {dollars}.

Price: Free to obtain and most options are additionally free. MaxRewards Gold, which incorporates auto-activation of affords, has a choose-your-own-price mannequin. The minimal value is $5/month on annual billing ($60/12 months) or $9/month on month-to-month billing.

What makes MaxRewards distinctive? CEO Anik Khan says: “Most different apps use third-party aggregators, which offer far much less information and functionality, or lack any connectivity. We’re the one answer that really automates incomes extra rewards and money again.”

Member advantages embody:

  • Auto-activation of Amex Provides, BankAmeriDeals, Citi Service provider Provides, Chase Provides, and extra
  • Capacity to activate the identical Amex Supply on a number of Amex playing cards (which isn’t doable by manually activating affords)
  • Finest card suggestion for close by retailers
  • Finest card suggestion for each class
  • Consolidated view of all bank cards and transactions, together with unique information factors similar to rewards that aren’t out there on different private finance apps like Mint
  • Advantages aggregation and monitoring
  • Unified view of credit score scores from each issuer
  • Monitoring of certified spend towards sign-up bonus

The Factors Man (TPG) App

Created by The Factors Man, a preferred journey website, The Points Guy (TPG) App is a one-stop store the place customers can monitor all of their airline, resort, and bank card loyalty factors and miles in a single place, and create personalised plans to e book their dream holidays.

Customers are supplied with a curated information feed of journey, bank card, and aviation information. They’ll additionally monitor their spending habits, monitor their progress in direction of assembly their targets, and obtain suggestions to assist maximize their incomes potential.

Notice: The app is tailor-made to shopper playing cards. Enterprise house owners add their factors and miles information from their enterprise bank cards to the TPG App. It’s at the moment out there on iOS.

Price: Free

TPG App options: Head developer Mitchell Stoutin says: “Customers get personalised suggestions on the right way to rapidly rack up factors and miles primarily based on their spending habits, and have the flexibility to trace earned rewards and learn to use them earlier than it’s too late. App customers are capable of earn, burn, and be taught.”

As well as, the TPG App helps customers to:

  • Earn factors and miles extra successfully and effectively by monitoring spending habits, monitoring progress towards a customized objective, and making suggestions to maximise incomes potential (e.g., recommending which card to make use of when).
  • Burn earned miles by offering personalised steering and complete reserving directions.
  • Study journey information, alternatives, and affords by means of a curated information feed, in addition to find out about factors, miles, and loyalty packages.

Journey Freely

Travel Freely helps customers discover one of the best new bank cards and monitor key dates for sign-up bonuses and annual charges. Members are supplied with a step-by-step newbie course which might help them earn $2,000 in free journey yearly. Customers learn to optimize journey rewards, take management of their credit score, and journey free of charge. The service can be utilized for each shopper and enterprise bank cards.

Price: Free

What makes Journey Freely distinctive? Founder Zac Hood says: “The Journey Freely method is all about growing your journey finances by incomes probably the most quantity of free journey within the least period of time. Journey Freely comes with a easy and easy-to-follow information. Our newbie’s course ‘Develop into a Free Traveler’ covers credit score rating monitoring, organizing rewards packages, and understanding one of the best practices for making use of for bank cards.”

Journey Freely member advantages embody:

  • Customized, ranked rewards card affords
  • Electronic mail reminders and notifications for bonus deadlines or annual charges
  • Newbie instruments—a step-by-step information for these new to optimizing free journey incomes
  • Capacity to trace a number of playing cards (as much as two customers) in a single place
  • Card particulars—stats, advantages, and spending classes
  • Safety—customers by no means have handy over financial institution particulars or passwords


Uthrive affords customers personalised recommendation on the right way to maximize rewards primarily based on their spending habits. The Uthrive app tells customers one of the best card to make use of at standard retailers.

Price: Free

What makes Uthrive distinctive? CEO Sameer Gupta says: “Uthrive lately rolled out a full suite of options for enterprise bank cards so small enterprise house owners also can maximize rewards on their enterprise bills.”

Advantages for each customers and enterprise house owners embody:

  • Recommendation on all rewards, together with money again, factors, and miles
  • Customized recommendation on one of the best card to make use of—for each current and new playing cards
  • Updates on earned rewards and missed rewards for all transactions
  • Prompts for one of the best card to make use of at each on-line and in-store retailers

In regards to the Creator

Gerri Detweiler has been serving to people and small enterprise house owners make smarter credit score and financing selections for greater than 20 years; observe her on Twitter and LinkedIn. See Gerri’s articles and full bio at

Source link

Here’s How To Stop Missing Out On Credit Card Rewards

Leave a Reply

Your email address will not be published.

Scroll to top