American Express
Amex Gold
- 8% cash back
- $120 $120 Dining Credit
- 60,000 Membership Rewards points
- Dining
- Good
- Charge
- Fee
- $250
- Est. Value /year
- $325 – $850
Your cards owe you $1,399 a year.
Average member gets $388/year back on our $99 subscription.
FLO finds the right card at checkout, catches expiring perks, and flags bonuses before the deadline.
Card directory
Know every card.
Earn more on each one.
Browse earn rates, sign-up bonuses, and estimated net value — then open calculators from any card. Every tile links to a full review with six built-in tools.
- Featured
- Featured
American Express
Amex Platinum
- 10% cash back
- $240 Digital Entertainment
- 80,000 Membership Rewards points
- Travel
- Good
- Charge
- Fee
- $695
- Est. Value /year
- $250 – $1,925
Amex
Centurion Card
- 1x points
- $3,600 Equinox
- Everything else
- Varies
- Credit
- Fee
- $5,000
- Est. Value /year
- $0 – $4,000
Chase
United Club Business
- 2x points
- $240 Instacart Credits
- 100,000 pts welcome offer
- Everything else
- Varies
- Credit
- Fee
- $450
- Est. Value /year
- $250 – $3,025
Free calculators
Model your wallet
before you apply.
Start with a spend profile, or open calculators from any card above. Same tools, no sign-up required.
More rewards - less hassle
The right card for every
purchase, and every perk
before it expires.
Your cards earn different amounts on groceries, gas, dining, and travel — and most people pick the wrong one. Flo compares the real dollar value of each card in your wallet and helps you use credits before they reset.
Find my best card$388/yr
Earn more
Right card for groceries, gas, dining, and travel.
Why WalletFlo
Transparent math. Real dollars.
Editorial picks and free calculators on the web; the WalletFlo app connects your cards and keeps you maximizing rewards every week.
- ~$388/yr
- Avg. member recovery
- Right card, perks, and bonuses
- 817k+
- Alerts delivered
- Perks and bonus deadlines
- 1,092
- Cards modelled
- Every card in the directory
- Free
- Calculators on the web
- No sign-up required
Testimonials
What our users say
Real reviews from WalletFlo members who track rewards, perks, and bonuses in the app.
Best app on the market for credit card rewards tracking
I was using the website for about a year I feel (ever since it launched) and I'm so happy the app is available. It's truly next level !!
@Brant133App Store reviewer
Downloaded 6 Apps and this is definitely the top 3!
I have been through H3ll and back with these apps whether it's them ripping me off with fees, (when allegedly there wasn't any to sign up but only bonuses for me and my family and friends) not being legitimate with the learning process, availability, and overall purchasing power along with the other factors you'd get or expect to see from a well built app. Lol! *Long winded, I know* but anyway, I found that this wallet isn't one to cause me so many problems but it doesn't come w/o it's quarrels of it's own.
@Gina_TN615App Store reviewer
Easy to use app with a sleek UI
I've been looking for an app to replace the spreadsheet I've been using to keep up with my current credit cards and all their perks. I've just started to use this app and I love the sleek dark mode design. The navigation is intuitive and I can see that it was well thought out so the user can easily learn their way around the app in just a few minutes. If there's one thing I would add, it would be a quick way to add one of the credit card in the Offers section to the MyApps section.
@WhimsicalvirgoApp Store reviewer
Best app on the market for credit card rewards tracking
I was using the website for about a year I feel (ever since it launched) and I'm so happy the app is available. It's truly next level !!
@Brant133App Store reviewer
Downloaded 6 Apps and this is definitely the top 3!
I have been through H3ll and back with these apps whether it's them ripping me off with fees, (when allegedly there wasn't any to sign up but only bonuses for me and my family and friends) not being legitimate with the learning process, availability, and overall purchasing power along with the other factors you'd get or expect to see from a well built app. Lol! *Long winded, I know* but anyway, I found that this wallet isn't one to cause me so many problems but it doesn't come w/o it's quarrels of it's own.
@Gina_TN615App Store reviewer
Easy to use app with a sleek UI
I've been looking for an app to replace the spreadsheet I've been using to keep up with my current credit cards and all their perks. I've just started to use this app and I love the sleek dark mode design. The navigation is intuitive and I can see that it was well thought out so the user can easily learn their way around the app in just a few minutes. If there's one thing I would add, it would be a quick way to add one of the credit card in the Offers section to the MyApps section.
@WhimsicalvirgoApp Store reviewer
Overall a good app
This is overall a very good app and has everything I wanted and needed. However, whenever I try to go back to the card list after reviewing each card, it's hard to go back. It seems like you have to press the arrow button precisely to go back and not on the words. It took me some time to figure it out. Other than that, it's a great app and has everything I want. I love the simplicity of the app and it's very intuitive. Very easy to use and get what I want from the app. Thanks!
@awardsearcherApp Store reviewer
Well designed & easy of navigation
I love the offers being front and center showing you what's available. Having the point values with the different types of retailers is very handy as well. The app is simple to use and helps me keep track of the many travel/rewards cards I have, from points to fees. Nice work
@Dware9495App Store reviewer
Overall a good app
This is overall a very good app and has everything I wanted and needed. However, whenever I try to go back to the card list after reviewing each card, it's hard to go back. It seems like you have to press the arrow button precisely to go back and not on the words. It took me some time to figure it out. Other than that, it's a great app and has everything I want. I love the simplicity of the app and it's very intuitive. Very easy to use and get what I want from the app. Thanks!
@awardsearcherApp Store reviewer
Well designed & easy of navigation
I love the offers being front and center showing you what's available. Having the point values with the different types of retailers is very handy as well. The app is simple to use and helps me keep track of the many travel/rewards cards I have, from points to fees. Nice work
@Dware9495App Store reviewer
User friendly and easy
Interesting concept, sort of like a reminder app for all your credit cards. I have a Chase Sapphire Preferred and Southwest, helps me use different credit cards for different kinds of purchases to get maximum points. Saves the hassle of looking things up over the internet!
@new_lightApp Store reviewer
Great first impression
Looks like an app with great potential. Love the interface and how clean and sleek everything looks. I am still playing around with it, but I am glad that there's a new app in the credit card area that looks promising.
@YESIKNOWIAMHONESTApp Store reviewer
User friendly and easy
Interesting concept, sort of like a reminder app for all your credit cards. I have a Chase Sapphire Preferred and Southwest, helps me use different credit cards for different kinds of purchases to get maximum points. Saves the hassle of looking things up over the internet!
@new_lightApp Store reviewer
Great first impression
Looks like an app with great potential. Love the interface and how clean and sleek everything looks. I am still playing around with it, but I am glad that there's a new app in the credit card area that looks promising.
@YESIKNOWIAMHONESTApp Store reviewer
News & guides
View all news →News that affects your wallet
Issuer changes, new offers, and strategy guides — updated as the rewards landscape shifts.
NewsAmex Gold
Read article
Amex Gold Dining Credit: What Counts in 2026
Program terms shift — here's how to maximize the $120 annual dining credit.
W
WalletFlo Editorial
Jun 20, 2026
3 min read
Best ofTravel
Read article
Best Travel Credit Cards of 2026
Our editors ranked the top travel cards by net annual value, transfer partners, and lounge access.
W
WalletFlo Editorial
Jun 1, 2026
3 min read
GuidePoints
Read article
How Credit Card Points Work
A plain-language guide to earning, valuing, and redeeming points without leaving money on the table.
W
WalletFlo Editorial
May 15, 2026
3 min read
Every week
WalletFlo keeps working after you close the calculator.
Rankings are a snapshot. WalletFlo watches your spend and flags what to fix: the wrong card at checkout, perks about to expire, and bonuses at risk.
Missed this week · what to fix · efficiency score
Example WalletFlo member screens. Your numbers depend on your cards and spend.
Live earn rates, normalized.
Points, miles, and cash back converted to one comparable rate — so the real best card always wins.
Dining 4×Groceries 6%Travel 5×Online 3%Gas 3×
FAQ
The essentials.
Use the Best Card Finder: enter your monthly spend, filter by issuer or network, and we'll rank cards by net value. Every result links to a full card page with earn rates and an Apply CTA.
In the app
On average, members recover about $388 more per year.
You browsed the directory and ran the calculators. Connect your cards in the app to see your personalized total — the right card for every purchase, perks before they expire, and bonuses before the deadline.
$250/yr earn more · $138/yr perks · $1,038 avg bonus
Example WalletFlo member screens. Your numbers depend on your cards and spend.
$250/yr
Earn more
Right card for groceries, gas, dining, and travel.
$138/yr
Save more
Money-back perks on purchases you already make — they reset every cycle.
~$1,038
Bonus timing
Average sign-up bonus on a new card — miss the deadline and it expires.