The 6 Best Apps to Maximize Your Credit Card Rewards
Reading Time: 5 minutesThanks to these handy mobile apps, getting the most out of your credit cards is now easier than ever.
Diving into the world of credit card rewards for the first time can be intimidating, but the right app can make the entire process much more manageable.
Credit cards can help you earn thousands of dollars in cash back and rewards points. But getting there can be a tricky process. Thankfully, it’s easier than ever to stay up-to-date on your credit score, browse the best cards for your current needs, and maximize your rewards.
Ready to take your credit card game to the next level? Here are the top six apps that can help you get started.
1. Credit Karma
Beginning as a way to track your credit score, Credit Karma has since evolved into a one-stop shop for almost anything to do with credit cards or money in general.
Launch the Credit Karma app, and you’ll be greeted immediately with two separate credit scores, one from TransUnion and another from Equifax. Both scores are updated daily, letting you easily keep track of changes to your credit as they happen.
But Credit Karma does more than tell you your score. You can dive deeper and get a breakdown of how your score is calculated and what you can do to improve it.
Credit Karma will automatically suggest credit cards based on your creditworthiness and chances of approval. Some card picks even come with a Karma Guarantee. That means Credit Karma is so confident you’ll be approved that the app will send you $50 if your application gets rejected.
Credit Karma’s entire feature set includes options for car insurance, personal loans, home loans, and more.
Download: Credit Karma for Android | iOS (Free)
2. NerdWallet
NerdWallet is one of the best ways to pick your next credit card. It will automatically give you credit card recommendations based on your creditworthiness, but you can even have NerdWallet provide you with custom card recommendations based on your current needs.
You can search for a card based on various categories like travel, cash back, or your monthly spending habits. NerdWallet will then pick a handful of cards that it thinks fit you best. Even better, you can select up to three cards to compare side-by-side. NerdWallet will then give you an easy-to-understand card breakdown that includes information like annual fees, rewards programs, and more.
Download: NerdWallet for Android | iOS (Free)
3. Experian
Although digital payment methods are replacing physical credit cards, staying on top of your credit score is still extremely important. And Experian is one of the best ways to keep track of where your credit score stands right now.
Although many apps can calculate your credit score, one of the biggest advantages of choosing Experian is its scoring model. Most credit card apps provide a score from TransUnion or Equifax, both of which use VantageScore 3.0 to generate your credit score.
On the other hand, Experian uses FICO Score 8, the same scoring model that many banks and credit card issuers use. That means your Experian score is often closer to what lenders see before they approve or reject your credit card application.
But Experian can give you more than just information about your credit score. It also offers free credit monitoring that can help keep you safe even if a criminal uses a credit card skimmer against you. You can also see a detailed breakdown of your overall financial picture in the app, read helpful articles about credit and money management, and browse credit card offers selected for you.
Download: Experian for Android | iOS (Free, subscription available)
4. WalletHub
WalletHub makes it easier to manage your credit cards and can even help you get your credit back in fighting shape.
After launching WalletHub, you’ll be greeted with your credit score and updated credit card offers. When it comes to recommending cards, WalletHub does a great job of giving you a clear picture of each card’s benefits, current bonus offers, and annual fees.
WalletHub is also a great tool to help you increase your credit score faster. Many apps will recommend paying down debt to boost your credit, but WalletHub features a built-in debt management tool to help you do just that.
You can use the app to keep track of your balances, interest rates, and estimated payoff dates. It can even help you set up a customized payment plan designed to help you boost your credit and get out of debt faster.
Download: WalletHub for Android | iOS (Free)
5. MaxRewards
Credit card rewards come in many forms, some of the most common being points programs and sign-up bonuses. However, juggling multiple bonus offers and rewards programs can quickly turn into a tricky process. Thankfully, MaxRewards makes it easier to keep tabs on all of it.
After linking your credit cards to the app, MaxRewards will give you a breakdown of your current points balance, bonus categories, and spending goals. Better yet, MaxRewards can monitor your progress and update you as you work towards your goals.
MaxRewards also makes it easy to stay on top of bonus offers from your cards. Credit cards often have revolving bonus categories that change month to month. Taking advantage of these offers means getting extra cashback on purchases in categories like gas, groceries, and more.
MaxRewards can automatically activate these offers as they become available, making it easier to maximize the value you’re getting from your credit cards.
Download: MaxRewards for Android | iOS (Free, subscription available)
6. AwardWallet
If you’re somebody who wants to be in total control of your credit card rewards, AwardWallet could be your next best friend.
After the initial setup, AwardWallet will give you a detailed breakdown of all your recent credit card transactions. That means not only giving you a rundown on how much you’ve spent but also calculating how much you’ve earned back in rewards on each purchase.
AwardWallet can even deeply analyze your spending and highlight potential rewards you may have missed out on. It’s also great at helping you redeem your credit card rewards for the maximum possible value. By looking at AwardWallet’s blog section, you can stay up-to-date with tips and tricks, bonus offers, and general advice about credit card rewards.
AwardsWallet is also great for managing multiple rewards programs. Linking your email account with AwardsWallet lets the app automatically scan your mailbox for up-to-date information about your rewards programs, bonus offers, and even things like flight reservations.
And If you’re worried about your credit card number being leaked, rest assured that AwardsWallet uses industry-standard encryption to keep your personal data safe.
Download: AwardWallet for Android | iOS (Free, subscription available)
Getting the Most Out of Your Credit Cards
Gone are the days of being in the dark about your credit. These days it’s easier than ever to stay on top of your credit score and maximize the rewards you’re earning from your credit cards.
Even if you’re not a credit guru, picking the right app can help boost your credit score, pick out your next credit card, and even get out of debt faster. Being smart with your credit cards could end up paying off big time.
Reference: https://www.makeuseof.com/best-apps-to-maximize-credit-card-rewards/
Ref: makeuseof
MediaDownloader.net -> Free Online Video Downloader, Download Any Video From YouTube, VK, Vimeo, Twitter, Twitch, Tumblr, Tiktok, Telegram, TED, Streamable, Soundcloud, Snapchat, Share, Rumble, Reddit, PuhuTV, Pinterest, Periscope, Ok.ru, MxTakatak, Mixcloud, Mashable, LinkedIn, Likee, Kwai, Izlesene, Instagram, Imgur, IMDB, Ifunny, Gaana, Flickr, Febspot, Facebook, ESPN, Douyin, Dailymotion, Buzzfeed, BluTV, Blogger, Bitchute, Bilibili, Bandcamp, Akıllı, 9GAG