The app tells you which card in your wallet to use at the business your at. The beta card when released will actualyl crunch the numbers and automatically send the charge to the right card to maximize rewards.
I use a really technologically advanced method for this. It’s called reading the information that comes with the card and remembering it. It’s really challenging, only us top tier BSDing, CFA and almost CFA people can do it successfully.
I do that too. But it’s a lot of upkeep for me wtih my ~20 cards.
I just set this app up and it’s sick. It has cards suggested for any type of business nearby. Most of it I already knew, however the convienience and simplicity will make my life easier.
I got burned at the bar last night when I tried to pay with my Discover IT card to get 5% cash back, they didn’t take Discover, so I had to use a regular 1% cash back. This app would have saved me as it also notes if AMEX/Discover are accepted at various merchants.
^ nah, I keep most at home and carry a few at a time. If I travel, I have a set of travel cards I use. The others are at home or in my wallet depending on the 5% rotating category. And there are several that rarely get put to use outside of online transactions. I abuse CC for the free rewards.
See, CFAvsMBA is on the hustle. No way it’s easy if you are truely maximizing. Well maybe if you don’t have travel expenses. But still, I have a lot of credit cards with rotating categories. Then I use US Bank Cash + to fill in vacancies. And additionally, EVEN if you could memorize it the same store can be coded differently at different locations. Walmarts can be grocery stores (which get grocery store rewards) or super center (which don’t.) There are five Wal-Marts around me and Wallaby knows which is coded which, giving a different card for each. I used to manually check this on my phone through Visa’s system, but it’s a lot of work