
Amex
Centurion Card
- 1x points
- $3,600 Equinox
- Everything else
- Varies
- Credit
- Fee
- $5,000
- Est. Value /year
- $0 – $4,000
WalletFlo is now Flo. Same app, same account, new name.
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
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.

Amex

Robinhood

Metropolitan Commercial Bank
Chase
Free calculators
Start with a spend profile, or open calculators from any card above. Same tools, no sign-up required.
More rewards, less hassleMore rewards - less hassle
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.
Browse AllFind my best card+$252/yr
Cashback & Points
Right card for groceries, gas, dining, and travel.
Why FLO
Editorial picks and free calculators on the web; the Flo app connects your cards and keeps you maximizing rewards every week.
Testimonials
Real reviews from Flo members who track rewards, perks, and bonuses in the app.
“Downloaded 6 Apps and this is definitely the top 3!”
@Gina_TN615
App Store reviewer
Guides
Issuer changes, new offers, and strategy explainers, updated as the rewards landscape shifts.
Program terms shift — here's how to maximize the $120 annual dining credit.
WalletFlo Editorial20th June 20263 min readOur editors ranked the top travel cards by net annual value, transfer partners, and lounge access.
WalletFlo Editorial1st June 20263 min readA plain-language guide to earning, valuing, and redeeming points without leaving money on the table.
WalletFlo Editorial15th May 20263 min read
Rankings are a snapshot. Flo watches your spend and flags what to fix: the wrong card at checkout, perks about to expire, and bonuses at risk.
FAQ’SFAQ
Flo's Rewards Calculator models your spend across eight categories, adds credits and perks, subtracts annual fees, and shows transparent net annual value. Compare up to four cards side by side. No sign-up required.
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.
Yes. All calculators and editorial content are free, with no sign-up required. For personalized best-card picks, perk alerts, and sign-up bonus tracking on your real wallet, download the Flo app.
We annualize your spend, multiply by each card's earn rate per category, add estimated credit and perk value, subtract the annual fee, and show the math line by line. See our methodology page for full details.
No. Using our calculators and reading content has zero impact on your credit. Only applying for a card through an issuer may trigger a hard inquiry.