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  1. #1
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    Default Walla.by for iPhone

    I am big into maximizing credit card rewards. One complaint I hear from my friends who only use one card, which is always one of those terrible cards that only gives 1% on everything, is that they could never be able to remember which card to use when.

    Walla.by (and Glyph and Smorecard) is an app for the iPhone that does that for you. All three apps are free. For example, if you are in Starbucks, Walla.by would tell you to use your Chase Freedom (5% cash back in Starbucks for the first quarter of 2013) as well as two additional cards in case your Chase Freedom is maxed out, at home, etc.

    As a disclaimer, I am not affiliated with the three apps I listed. I just wanted to spread the word
    Current credit cards:
    American Express: Blue Cash Everyday, Fidelity Investment Rewards
    Discover: It
    MasterCard: Chase Ink Cash
    Visa: BB&T Visa Signature, Capital One Business Platinum, Chase Freedom, Citi Forward
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  2. #2
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    Default

    I've been using Smorecard and it's generally been pretty good. My only complaint is that it doesn't know when a retailer doesn't take a certain card. For example, offering my Mastercards or Visas as payment options for Costco makes no sense.
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  3. #3
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    Default

    Standardizing cards by dedicating one card specialized for one category is helpful to remove confusion on use of cards
    e.g.- Citi Forward for Fast food, restaurants and movies or PenFed for gas

    Earning rewards is like a hobby and is a good brain exercise when it comes to 5% rotating categories.
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  4. Centurion Member
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    Default

    I wanted to create an app that did this. I didn't realize that so many existed until the past couple of months. They don't have them on android. I wonder if it is worth the bother to create an android app if they are going to release android versions of the apps they have already worked on.
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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  5. #5
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    Default

    Future - there is an app called Walletbrain for Android. It's not great but has the main categories and a hand full of cards.
    Wells Fargo Platinum - $10,500 - 11/2004
    Citi Forward - $5,000 - 10/2012
    Chase Freedom - $3,900 - 10/2012
    Capital One Quicksilver (Formerly Cash Rewards) - $6,000 - 12/2012
    American Express Hilton Honors - $3,900 - 1/2013
    Barclaycard Arrival World MasterCard - $5,000 - 11/2013
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  6. #6
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    Default

    The Wallaby Card would be even more interesting than all of these because it would automatically route transactions to the best card you have.
    Wallaby Card | Wallaby Financial

    So you could have the Chase Freedom, Citi Forward, US Bank Cash+, Amex BCP, etc.
    Lets say you go to a Drug Store today, it would automatically charge it to the Chase Freedom because it knows about the 5% back on drug stores. Best of all, its just 1 card to carry.

    They have hit some obstacles though from what I've read making the card available to the general public.

    Amex BCE: 3% grocery, 2% gas
    Bank of America Better Balance Rewards MC: $25/quarter bonus
    Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
    Capital One Quicksilver Visa Signature: 1.5% everything
    Chase Freedom Visa Signature: 5% rotating
    Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
    US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
    Chase Amazon Visa: 3% amazon.com (unused)
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  7. #7
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    Default

    Quote Originally Posted by RewardHop View Post
    The Wallaby Card would be even more interesting than all of these because it would automatically route transactions to the best card you have.
    Wallaby Card | Wallaby Financial

    So you could have the Chase Freedom, Citi Forward, US Bank Cash+, Amex BCP, etc.
    Lets say you go to a Drug Store today, it would automatically charge it to the Chase Freedom because it knows about the 5% back on drug stores. Best of all, its just 1 card to carry.

    They have hit some obstacles though from what I've read making the card available to the general public.
    Seems sketchy. I'm sure they would have a bunch of problems. And if that card is stolen, the thieves have access to everything. No thanks.
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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  8. Green Member
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    Default

    Smorecard, and wallaby are both available on the google play store for android. Just downloaded them myself, so I cant say if they actually work as advertised or not.
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  9. #9
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    Quote Originally Posted by FutureBillionaire View Post
    Seems sketchy. I'm sure they would have a bunch of problems. And if that card is stolen, the thieves have access to everything. No thanks.
    Well the card holds a single debit card number. Its not less secure than a single credit card being stolen/lost. All the credit card accounts are stored on Wallaby's servers however, so thats where the possible weakness could be. They look at the incoming swipe/charge and then forward it onto one of your actual credit cards on their servers.

    This video from them explains it a bit:
    Wallaby Card - YouTube

    I assume if the Wallaby card is stolen, you can just use their mobile app or web site to disable the card.

    Amex BCE: 3% grocery, 2% gas
    Bank of America Better Balance Rewards MC: $25/quarter bonus
    Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
    Capital One Quicksilver Visa Signature: 1.5% everything
    Chase Freedom Visa Signature: 5% rotating
    Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
    US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
    Chase Amazon Visa: 3% amazon.com (unused)
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  10. #10
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    Default

    I downloaded the program for iPhone, but I can't seem to figure out if you can put in the specific categories for the Cash+ or not...
    AMEX: Blue Cash Preferred (6% on groceries, 3% gas & dept stores)
    Capital One: Venture (2 points per $1, equivalent to 2%)
    Chase: Freedom (rotating 5% categories), Disney Rewards (1 point per $1, Disney benefits)
    US Bank: Cash+ (5% bookstores / 5% Electronic Stores)
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