Finds approval rules for major issuers and automates their calculations

The core feature is that you don’t have to worry about finding, interpreting, or applying credit card application rules anymore.

What’s great about these calculations is that they take things into consideration like authorized user status, product change history, bonuses earned, etc. So you don’t have to go around wondering how different factors affect your eligibility —  it’s all done for you.

This means that many of your questions can literally be answered by simply clicking around in this app.

Gives notifications when you are eligible for cards or when rules don’t apply

Sometimes you may have to wait two months to be eligible and other times you might have to wait two years. But regardless of your wait time, you can rely on notifications to help you remember when you can apply for certain cards.

This will be very handy for those cards that make you wait 24 to 48 months because if you have several of those it can be difficult and time-consuming to constantly track those down. 

Breaks down your top earning cards by category and shows you valuations for your points

It’s difficult to remember how much your points are worth, especially if you are new to credit card rewards. So WalletFlo takes care of those valuations for you and breaks down your top earning cards for each category.

Provides annual fee breakdowns and gives upgrade and downgrade suggestions

WalletFlo shows you your annual fees over the course of a year and provides helpful breakdowns so you can budget out your annual fees. It also gives you automated guidance on potential upgrade or downgrade options so you don’t have to go researching your options when you want to possibly avoid an annual fee.

Shows all your credits attached to your cards and provides insight into how to use them

More and more cards are now offering special credits that offset the annual fee. WalletFlo lists all of your credits to help you remember how they work and when they reset.

Allows you to easily view and track product changes

Keeping track of all of your upgrade and downgrade history can be difficult even with a sophisticated spreadsheet. With WalletFlo you can now keep track of those changes with an easy to understand graphic.

Allows you to keep tabs on closed cards, future applications, pending applications, and rejected applications.

You can save your credit card applications that you want to try in the future or any applications you currently are waiting on. You can also save your closed cards for future reference.

Allows you to view combined data between you and a partner  (Total cards, fees, etc.)

And finally, you can view a breakdown of all of the cards that you and your partner have. This is very helpful for keeping tabs on total annual fees and will be integrated into future features that make planning your next credit card move much easier as a couple.