Anyone tried WalletUp?

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Anyone tried WalletUp?

Postby JackLane » Tue Jun 16, 2015 11:00 am

While looking for a calculator that will calculate correct rewards for various different cards, I came across WalletUp ( It asks you to connect with your credit card issuers so that it can read your expenses, and recommend cards on your spending habits. Although it provides all promises of safety, I am not too sure, hence the question here. Has anyone connected their credit card accounts with this app? Is it really safe to do that (like for Mint)?

Thanks in advance.
Chase Freedom 04/2012. $6500 | Costco Citi 10/2012 $8100 | AmEx BlueCash 06/2015, $15000 |Discover It 07/2015, $5200 |Amazon Store Prime 01/2016 $2200
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Re: Anyone tried WalletUp?

Postby CarefulBuilder14 » Tue Jun 16, 2015 12:02 pm

I've tried similar things and found them all of very limited use.

I shop at Costco fairly often, and the calculators insist I should use a Sallie Mae MasterCard for gas - at an Amex-only US Costco.

The calculators also tend to assume that all points are worth one cent, which is certainly not true. They also ignore certain reward features like initial spend bonuses and ED/EDP swipe bonuses.

Build a spreadsheet that works for you, and go from there.
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Re: Anyone tried WalletUp?

Postby Vermonster » Tue Jun 16, 2015 1:17 pm

CarefulBuilder14 wrote:Build a spreadsheet that works for you, and go from there.

I believe someone on MF created a decent spreadsheet that compares like 9 cards. Not sure where to find it though.

I find most of the calculators incorrectly categorize charges and I spend more time just fixing it. I plugged my year end summary numbers into a spreadsheet I made and it was way more accurate.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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