Free to download · 30-day Elite trial

Stop Leaving
Rewards Behind

The average American leaves $300+ in rewards unclaimed each year. RewardSmart shows you the best card for every purchase in seconds — no spreadsheets, no guesswork.

Download on the App Store
Get it on Google Play
600+ Cards Supported
Free To Get Started
Elite 30-Day Free Trial
RewardSmart - Always Use the Best Card
Best Card Found

Works with all major card issuers

See It In Action

Everything You Need to
Earn More, Effortlessly

Real screenshots from the app — no mockups, no stock photos.

120 Cashback Offers Waiting
Always Use the Best Card
Your Cards, One Dashboard

Always Use the Best Card

AI picks your highest-earning card for every merchant in seconds

Features

Built for Serious
Rewards Maximizers

Everything you need to squeeze every dollar out of your cards — on mobile, web, and in your browser.

Quick Recommend

Type any merchant — instantly see which of your cards earns the most. Works for thousands of merchants.

Elite

AI Chat — Meet Cleo

Ask anything about your cards. "Which card for Costco gas?" or "How do I maximize my Amex points?" Cleo knows your wallet.

New

AI Assistants (MCP)

Connect your cards to Claude, ChatGPT, Cursor, and any AI assistant. Ask reward questions right in your AI tool.

Card Wallet

All your cards in one place. See reward rates, annual fees, benefit budgets, and renewal dates at a glance.

Card Finder Quiz

6 questions to find your perfect card. Get personalized picks based on your spending habits and goals.

Elite

Price Tracking

Track prices on 20+ items. Get alerted when a price drops — and know which card earns the most when you buy.

Offer Alerts

120+ card-linked cashback offers synced daily. Get notified before they expire and activate them automatically.

Reward Tracking

See your reward rates across every card. Track spending by category and benchmark your portfolio.

Browser Extension

Automatic card suggestions at checkout. Works on Chrome, Firefox, Safari, and Edge — no setup required.

How It Works

Up and Running
in 2 Minutes

No bank logins, no card numbers, no hassle.

1

Add Your Cards

Just pick your card names from our list of 600+ cards. No account numbers, no bank login — ever.

2

Type Any Merchant

Search Starbucks, Amazon, Shell — we match it to your cards and show your best earning option instantly.

3

Earn More Every Time

Use the right card every purchase. The average user recovers $300+ in missed rewards per year.

AI Integration

Ask Your AI Assistant
About Your Cards

RewardSmart's MCP server connects your card wallet to Claude, ChatGPT, Cursor, and any AI tool — so you can ask reward questions right in your workflow.

  • Works with Claude, ChatGPT & more Connect once and ask reward questions from any AI assistant, naturally.
  • Real-time offer alerts Your AI knows about expiring cashback offers and reminds you before they're gone.
  • Privacy-first design Your card names are shared, never your numbers. The AI sees what you choose to share.
  • One-minute setup Install the MCP server, authenticate, and start asking questions immediately.
View Setup Docs →
✦
Claude + RewardSmart
MCP Connected · Your 4 cards loaded
Which card should I use at Costco gas?
Based on your wallet, use your Citi Custom Cash — it earns 5% back on gas (up to $500/mo). Your Chase Freedom only earns 1% there this quarter.
Do I have any Costco offers expiring soon?
Yes — your Amex Platinum has a $20 Costco offer expiring in 6 days. Activate it now before your next visit.
Pricing

Simple, Transparent Pricing

Start free forever. Upgrade for less than the cost of a coffee per month.

Free

$0 forever

Everything you need to start earning more

  • ✓ Quick card recommendations
  • ✓ Add up to 5 cards
  • ✓ Basic reward tracking
  • ✓ Card finder quiz
  • ✓ 5/24 status tracking
  • ✓ Pin favorite cards
  • ✓ Spending challenge goals
  • ✗ AI Chat Assistant
  • ✗ Price tracking & alerts
  • ✗ Velocity alerts
Download Free App
Best Value

Elite

$44.99 /year

Just $3.75/month — less than a coffee

  • ✓ Everything in Free
  • ✓ Unlimited cards
  • ✓ AI Chat Assistant (Cleo)
  • ✓ Price tracking (20 items)
  • ✓ Price drop alerts
  • ✓ Velocity alerts for churning
  • ✓ Card churning timeline
  • ✓ Negotiation AI scripts
  • ✓ Referral link manager
  • ✓ Portfolio benchmarks
  • ✓ Real-time offer alerts
  • ✓ No ads · Priority support
Try Elite Free for 30 Days
Security

Private by Design

Your data stays yours. We built RewardSmart so you never have to choose between convenience and privacy.

No Card Numbers Stored

We only store card names to make recommendations. We never ask for card numbers, CVV, or account details.

Bank-Level Encryption

All data encrypted in transit and at rest using AES-256 — the same standard used by major financial institutions.

We Never Sell Your Data

Your information is never sold to third parties. Our business model is subscriptions — not your data.

Why RewardSmart?

The Smarter Way to
Manage Your Cards

Privacy-First

Most reward apps require bank logins. We don't. Just card names — your numbers stay with you.

Instant Answers

Open the app, type the merchant, get your answer. No spreadsheets, no mental math, no guessing.

Real Savings

The average person with 4+ cards leaves $300–500 on the table yearly. We fix that, one purchase at a time.

FAQ

Frequently Asked Questions

Got questions? We've got answers.

Is RewardSmart really free?

Yes! The core app is free forever. You get 30 days of Elite features when you sign up, then continue using the Free plan. Upgrade anytime for premium features.

Do I need to link my bank account?

No. Unlike other apps, we don't require bank logins. Just add your card names and we'll tell you which one to use. Your card numbers stay with you.

How does RewardSmart know which card is best?

We maintain a database of 600+ credit cards and their reward categories. When you enter a merchant, we match it to the right category and show you which of your cards earns the most.

Which credit cards do you support?

All major US cards including Chase, Amex, Citi, Capital One, Discover, Bank of America, Wells Fargo, US Bank — plus many more. We're constantly adding new cards.

Is my data secure?

Absolutely. We use bank-level encryption, never store card numbers, and never sell your data. Your privacy is our priority.

What's the difference between Free and Elite?

Free includes card recommendations and basic tracking. Elite adds AI Chat, offer alerts, price tracking, velocity alerts, churning tools, and more advanced features.

Stop Leaving Money on the Table

Every purchase you make with the wrong card costs you. Start with 30 days of Elite features free — then keep using the Free plan forever.

Download on the App Store
Get it on Google Play
Add to Chrome — Free

✓ Free forever  ·  ✓ No credit card required  ·  ✓ 2 minute setup