Walla.by for iPhone

All about maximizing your rewards!
Members share tips and tricks for getting the most cash back, miles, & points.
13 posts
commdiver
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Location: USA

Walla.by for iPhone

Postby commdiver » Tue Feb 26, 2013 8:12 pm

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


Sevenfeet
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Location: United States

Postby Sevenfeet » Tue Feb 26, 2013 8:23 pm

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.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

nishant
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Location: Chicago

Postby nishant » Tue Feb 26, 2013 9:11 pm

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.


FutureBillionaire
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Location: Down South

Postby FutureBillionaire » Tue Feb 26, 2013 9:41 pm

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

RonJonson
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Location: MI

Postby RonJonson » Tue Feb 26, 2013 9:47 pm

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

RewardHop
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Location: USA

Postby RewardHop » Tue Feb 26, 2013 9:55 pm

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.
[size=60]
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
Discover It: 5% rotating
SallieMae MC: 5% Groceries, Gas, Amazon
US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
Sock Drawered: Chase Sapphire, Chase Amazon[/size]

FutureBillionaire
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Location: Down South

Postby FutureBillionaire » Tue Feb 26, 2013 10:12 pm

RewardHop wrote: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


Drauka
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Location: Jasper, Florida

Postby Drauka » Tue Feb 26, 2013 10:13 pm

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.

RewardHop
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Location: USA

Postby RewardHop » Tue Feb 26, 2013 10:24 pm

FutureBillionaire wrote: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.
[size=60]

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

Discover It: 5% rotating

SallieMae MC: 5% Groceries, Gas, Amazon

US Bank Cash+ Visa Signature: 5% electronic stores, restaurants

Sock Drawered: Chase Sapphire, Chase Amazon[/size]

LadyinRed
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Location: Los Angeles, CA

Postby LadyinRed » Wed Feb 27, 2013 3:23 pm

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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