WalletFlo is now Flo. Same app, same account, new name.

Your cards owe you $1,348 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.

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.

Browse All

+$252/yr

Cashback & Points

Right card for groceries, gas, dining, and travel.

Why FLO

Transparent
math. Real
dollars.

Editorial picks and free calculators on the web; the Flo 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
1,096
Cards modelled
Every card in the directory
Free
Calculators on the web
No sign-up required

Testimonials

What our users say

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

Flo keeps
working after
you close the
calculator.

The Flo app showing a card's rewards breakdown and recent activity

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’S

The Essentials

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.