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Diving into the world of credit card rewards for the first time can be intimidating, but with the right app, the whole process can become much more manageable.
Earn thousands of dollars in cash back and reward points when you use your credit card. But getting there can be a tricky process. Thankfully, it’s easier than ever to keep your credit score up to date, browse the best cards for your current needs, and maximize your benefits.
Ready to take your credit card game to the next level? Here are the top 6 apps to help you get started.
1. Credit Karma
What started as a way to track your credit score, Credit Karma has evolved into a one-stop shop for almost anything related to credit cards and money in general.
Launch the Credit Karma app and you’ll immediately see two separate credit scores: TransUnion and Equifax. Both scores are updated daily, making it easy to track credit changes.
But Credit Karma doesn’t just tell you your score. You can dig deeper and get a breakdown of how your score is calculated and what you can do to improve your score.
Credit Karma automatically suggests credit cards based on your creditworthiness and likelihood of approval. Some card picks come with a Karma Guarantee. In other words, Credit Karma believes it will be approved, so if your application is rejected, the app will send you $50.
Credit Karma’s full feature set includes options for auto insurance, personal loans, mortgages, and more.
download: Credit Karma for Android | iOS (Free)
2. Nerd Wallet
NerdWallet is one of the best ways to choose your next credit card. We automatically provide credit card recommendations based on your creditworthiness, but you can also let NerdWallet provide custom card recommendations based on your current needs.
You can search for cards based on different categories such as travel, cashback, monthly spending habits, and more. NerdWallet then selects a few cards that it thinks are the best fit for you. Even better, you can select up to 3 cards for side-by-side comparison. NerdWallet provides easy-to-understand card breakdowns that include information about annual fees, reward programs, and more.
download: NerdWallet for Android | iOS (Free)
3. Experian
Digital payment methods have replaced physical credit cards, but keeping track of your credit score is still very important. Experian is one of the best ways to track your current credit score.
Many apps can calculate your credit score, but one of the biggest advantages of choosing Experian is its scoring model. Most credit card apps provide scores from TransUnion or Equifax, which use VantageScore 3.0 to generate credit scores.
Experian, on the other hand, uses a FICO score of 8, the same scoring model used by many banks and credit card issuers. This means that Experian scores are often close to what lenders see before approving or denying credit card applications.
But Experian can provide more than just credit score information. It also offers free credit monitoring to help keep you safe if criminals use credit card skimmers against you. You can also see a detailed breakdown of your overall finances in the app, read helpful articles on managing your credit and money, and browse selected credit card offers.
download: Experian for Android | iOS (Free, subscription available)
4. Wallet Hub
WalletHub makes managing your credit cards easy and helps you regain your credit.
Launch WalletHub to see your credit score and updated credit card offers. When it comes to card recommendations, WalletHub clearly shows each card’s benefits, current bonus offers, and annual fees.
WalletHub is also a great tool to help you grow your credit score faster. Many apps recommend paying off your debts to improve your credit, and WalletHub has built-in debt management tools to help you do just that.
You can use the app to track your balance, interest rate, and estimated repayment date. It can even help you set up a customized payment plan designed to boost your credit and help you get out of debt faster.
download: WalletHub for Android | iOS (Free)
5. Max Rewards
Credit card rewards come in many forms, but the most common are loyalty programs and sign-up bonuses. However, juggling multiple bonus offers and rewards programs can quickly become a cumbersome process. Thankfully, MaxRewards makes it easy to keep track of everything.
After linking your credit card to the app, MaxRewards will show you a breakdown of your current points balance, bonus categories and spending goals. Even better, MaxRewards can monitor your progress and update you as you work toward your goals.
MaxRewards also makes it easy to keep track of bonus offers from your card. Credit cards often have revolving bonus categories that change each month. Redeeming these offers means you get extra cashback on your purchases in categories like gas, groceries and more.
MaxRewards can automatically activate these offers as they become available, making it easy to maximize the value you get from your credit card.
download: MaxRewards for Android | iOS (Free, subscription available)
6. Award Wallet
If you want complete control over your credit card benefits, AwardWallet could be your next best friend.
After initial setup, AwardWallet shows a detailed breakdown of all recent credit card transactions. This means that you can not only view an overview of how much you have spent, but also calculate how much you have earned in rewards for each purchase.
AwardWallet can also analyze your spending in detail and highlight rewards you may have missed. It also helps you redeem your credit card rewards for maximum value. Visit AwardWallet’s blog section for up-to-date information on tips and tricks, bonus offers, and general advice on credit card benefits.
AwardsWallet is also ideal for managing multiple reward programs. Link your email account to AwardsWallet and the app will automatically scan your mailbox for updates on reward programs, bonus offers and even flight bookings.
And if you’re worried about your credit card number leaking, rest assured that AwardsWallet uses industry-standard encryption to keep your personal data safe.
download: AwardWallet for Android | iOS (Free, subscription available)
Get the most out of your credit card
Gone are the days of being in the dark about your credit. These days, it’s easier than ever to keep track of your credit score and get the most out of your credit card rewards.
By choosing the right app, you don’t need to be a credit expert to boost your credit score, pick your next credit card, or get out of debt faster. Using your credit card wisely can pay off big.
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