Have you ever used the wrong card by mistake? Maybe you forgot to use your Sapphire Preferred for dining on the first Friday of the month to earn 3x UR, and instead used your Discover it for just 1% cash back. Or maybe you forgot that Freedom earns 5x UR on gas this quarter and swiped your BBR instead, the one that should have stayed in the drawer. Using the wrong card usually does not cause any real loss, but it is definitely enough to annoy points and miles enthusiasts for a while. WalletUp was created to solve exactly this problem: it always recommends the card with the highest return for a purchase, making it much easier to optimize every swipe. Just install an App on your phone and the problem is solved.
WalletUp is an App developed by CreditCards.com. It is currently available on Web, iOS, and Android. After obtaining access to the user's credit card account login information, the App can analyze spending patterns and recommend appropriate credit cards. However, the feature this article especially wants to recommend is Pay with This in the mobile App.
The author randomly selected a small area in Seattle to search. WalletUp showed some merchants in that area and, among the credit cards the author holds, recommended PRG as the card with the highest return, showing that PRG earns 2x MR Points there. At the same time, limited time offers on new cards can also be displayed correctly after setup. For example, the Discover it shown below correctly displays 2% and is ranked ahead of Freedom at 1x UR.
In addition, the value of different points currencies can be customized in the App. If you do not change anything, the default is that all points are worth 1 cent/point. The author set UR and MR points to 1.8 and TYP to 1.6. Therefore, among several test cards, the recommended ranking for this barbecue restaurant is PRG = CSP > Thankyou Preferred > Discover it = DC > Freedom.