Credit card rewards, optimized

The right card.Every time.

BetterRewards optimizes your rewards, tracks your offers, and tells you exactly which card to use to maximize benefits - before you swipe.

Try the card quiz →

No card numbers stored. Ever.

No ads. No commission bias.

Built by an industry insider with over 12 years of experience.

9:41

Hey Alex

Here's what your cards earned this week.

SAVED THIS YEAR

🔥 12-week streak

$0.00

+$92 this month · 3 cards

POINTS

42,180

≈ $632 travel

MAXIMIZED

94%

11 of 12 swipes

BEST CARD RIGHT NOW

Amex Gold4× points

Trader Joe's · Whole Foods

THIS WEEK

See all

Trader Joe's

Today · Amex Gold

+$2.40

Home

Cards

Maximize

Rewards

Profile

⚡

Use Amex Gold here4× points at Trader Joe's

SAVED THIS MONTH

+$92.40

THE PROBLEM

Americans leave $6 billion in rewards on the table every year.

Your share is probably more than you think.

~0%

OF CARDHOLDERS

never redeem a single reward — because the system is designed to be forgettable.

$0B

UNREDEEMED ANNUALLY

in credit card rewards go unclaimed by American cardholders annually — earned but never spent.

~0%

OF SPENDING

happens in stores. Most rewards apps only work online.

Most rewards are never touched — because the tools were built wrong. Until now.

HOW IT WORKS

Built for your wallet. Not against it.

Add your cards

Tell us which cards you carry. No bank login required to get started.

– – –›

We find your offers

We show selected issuer offers so you can check availability and enroll with your card issuer.

– – –›

Use the right card

At checkout or in-store, we tell you exactly which card to use and why.

FEATURES

Everything your wallet has been missing.

Offer and benefit reminders

Get reminders about expiring offers and card benefits you track.

Issuer offer tracking

See selected issuer offers and open your issuer's site or app to enroll. BetterRewards does not activate issuer offers for you.

Annual fee ROI tracker

See exactly how much value you're getting from every card's annual fee. Know which cards are earning their keep.

Benefits & perks tracker

Airport lounge access, DoorDash credits, Global Entry. We track every benefit so nothing expires unused.

Rewards score

Your personalized rewards score shows how well you're optimizing your wallet — and exactly how to improve it.

Flat-fee pricing

No commission bias. No 'set your own price' gimmicks. One flat fee, full access. We make money when you subscribe — not when you apply for a card.

CARD RECOMMENDER

Not sure which card is right for you?

Answer 5 quick questions. Get a personalized recommendation — free, no account needed.

Question 1 of 50% complete

What do you spend the most on?

Tap an answer to continue

Meet Chip

Your AI credit card expert. Ask anything — earn rates, transfer partners, sign-up bonuses, the best card for your next trip. Chip knows.

5 free messages per day. 25 per day with a BetterRewards subscription.

A knowledgeable friend in your pocket — not a customer service bot.

Earn ratesCompare 4× dining vs 5% rotating across every major card.

Transfer partnersWhich card unlocks the airline points you actually need.

Sign-up bonusesAsk about sign-up bonuses and check current terms with the issuer.

Trip planningTell Chip where you're going. Get the right card to put it on.

Look bottom-right — Chip is one tap away on every page

Chip

Your card-savvy friend

Which card is best for dining out?

The American Express Gold Card is hard to beat for dining — 4× Membership Rewards points at restaurants worldwide, including takeout and delivery. If you want no annual fee, the Chase Freedom Unlimited earns 3% on dining and drugstores and 1.5% on everything else. What's your annual fee tolerance?

I'm fine with up to $250/year

Then Amex Gold at $250/year is your answer for dining. Pair it with a no-fee card for everything else and you've got a strong wallet. Want me to suggest the best partner card?

3 OF 5 FREE QUESTIONS USEDResets daily

COMPARISON

Other apps left gaps. We filled them.

We built BetterRewards because every existing tool was missing something important.

✓Full support

—Partial / limited

✕Not supported

FEATURE	BetterRewards	MaxRewards	CardPointers	Pointer	Award Wallet
AI card recommender	✓	✕	✕	—	✕
Flat-fee pricing (no commission bias)	✓	✕	✓	✕	—
Annual fee ROI tracker	✓	—	✕	✕	✓
Rewards score	✓	✕	✕	✕	✕
iOS + Android	✓iOS · Android soon	✓	✓	✓	✓

Competitor data based on publicly available product information as of April 2026. Features may have changed.

PRICING

One price. Full access. No catch.

Monthly

$7.99/month

Billed monthly · Cancel anytime

Start free trial

Annual

BEST VALUE

$59.99/year

That's $5.00/month · Save 37%

Start free trial

Both plans include:

✓Full app access

✓Chip AI chatbot (25 messages/day)

✓Card recommender

✓Offer and benefit reminders

✓Issuer offer tracking

✓Annual fee ROI tracker

✓Benefits & perks tracker

✓Rewards score

New subscribers get their first month free. Charged to your Apple ID when it ends; cancel at least 24 hours before to avoid the charge.

Flat-fee pricing keeps our incentives aligned with yours. We make money when you stay subscribed — which means we have to keep being useful, every month.

GET THE APP

Your wallet is smarter than you think. Prove it.

Join the waitlist and we'll let you know the moment the iOS app is ready.

No ads. No commission bias.·No card numbers stored. Ever.·Built by someone who worked inside the industry.

Hi! I'm Chip 👋

Chip