the app
Most rewards go unclaimed. Flo ends that.
About $388 a year: $138 in credits that quietly reset and expire, $1,038 bonuses missed by days, and cash back lost for using the wrong card. Flo finds all of it.
Start Earning MoreSubscriptions
6 optimized
Your cards give you $138 a year in credits.
Money back on dining, streaming, travel. It resets and expires every cycle, and most people forget. Members are tracking $505,106 in card credits right now. Flo catches every one before it disappears.
from subscriptions alone
worth more than you think.
Universal Card Coverage
Every card.
Earning at its full potential.
Connect your cards once. Flo tracks every bonus category, catches the $138 in credits before they expire every cycle, and makes sure you never miss a $1,038 sign-up bonus.
$100 a year. The average member gets $388 back.
The credits alone ($138/yr) more than cover your first year. One sign-up bonus ($1,038) covers years.
The full Flo experience, limited to one card.
- Link 1 card securely via Plaid
- See the best card to use for every purchase
- Track perks, credits, and subscriptions
- Get reminded before annual fees hit
- All core features, no time limit
Then $230/yr. Billed annually. One sign-up bonus ($1,038) covers years of membership.
- Link unlimited cards securely via Plaid
- AI picks the best card for every purchase
- Track every perk and credit in real time
- Renewal alerts with retention scripts
- Priority support
Apply for an eligible premium card inside Flo. Get approved, and Pro is free for a full year.
- Everything in Pro, at no cost
- Browse curated premium card offers in-app
- See your personalized approval odds first
- Get approved → unlock 12 months of Pro free
- No commitment — cancel anytime
Prices in USD. Cancel anytime. Taxes may apply in your region.
Over 1,000 5-Star Reviews
Don't just take our word for it.
I was leaving hundreds of dollars on the table every month. Flo showed me which card to use for every category and I've saved over $2K this year alone.
Finally an app that actually understands credit cards. I have 8 cards and Flo keeps track of every perk, deadline, and rotating category for me.
The subscription tracker alone is worth it. Found 3 forgotten subscriptions charging cards I barely use. Canceled them in minutes.
I travel constantly and this app is a game-changer. It tells me exactly which card gets me lounge access, travel credits, and the best exchange rates.
Clean, fast, beautifully designed. It's like having a personal CFO for your credit cards. The smart spend routing is incredibly accurate.
My Amex Platinum perk nearly expired without me knowing. Flo saved me $200 with a single alert. Paid for itself instantly.
See exactly what you earned, or left on the table.
Flo cross-checks live earn rates from 217 cards, surfaces the $138 in credits before they reset, and tracks every sign-up bonus so you collect the full $1,038. Every transaction, scored the moment it posts.
See what you've been missingWorks with every card in your wallet.
Flo integrates directly with the world's top card issuers and financial platforms, ensuring your rewards, perks, and benefits are always accurate and up to date.
Three steps to earning more from every card.
Takes 2 minutes to connect. Pays you back every time you swipe after that.
Add your cards
Connect the cards in your wallet. Flo instantly pulls rewards categories, perks, and credits for every one.
See which card to use
Flo reads every merchant code and bonus category in real time, so you always pull out the right card at checkout.
Earn more on every swipe
Get point-by-point breakdowns, unlock hidden offers, and never miss a perk or credit you're already paying for.
Built with bank-level security.
Your financial data is protected by the same standards used by top US banks.
Simple & Secure
Biometric sign-in and two-factor authentication keep your account locked down.
Encrypted Protection
End-to-end TLS encryption in transit and AES-256 at rest on every connection.
Rigorous Compliance
SOC 2 aligned infrastructure with read-only connections. Flo never moves money.
Enhanced Privacy
We never sell your data. Ever. Revenue comes from card partners, never your info.
Find the $388 your cards owe you.
Enter your number and we'll text you a direct download link. Most users find unclaimed credits within their first 5 minutes.
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Frequently asked questions.
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See what your cards owe you.