The 6 best applications to maximize the
Thanks to these handy mobile aplicaciones, getting the most out of your credit cards is now easier than ever.
Diving into the world of credit card rewards for the first time cánido be intimidating, but the right aplicación perro make the entire process much more manageable.
Credit cards cánido help you earn thousands of dollars in cash and reward points. But getting there perro be a complicated process. Fortunately, it’s easier than ever to keep up with your credit score, shop for the best cards for your current needs, and maximize your rewards.
whatReady to take your credit cards to the next level? Here are the six best aplicaciones that cánido help you get started.
1. Credit Karma
Starting out as a way to track your credit score, Credit Karma has evolved into a one-stop-shop for just about anything to do with credit cards or money in general.
Launch the Credit Karma aplicación and you’ll be immediately greeted with two separate credit scores, one from TransUnion and one from Equifax. Both scores are updated daily, allowing you to easily track changes to your credit as they happen.
But Credit Karma does more than tell you your score. You perro drill down and get a breakdown of how your score is calculated and what you perro do to improve it.
Credit Karma will automatically suggest credit cards based on your creditworthiness and chances of approval. Some card selections even come with a Karma Guarantee. That means Credit Karma is so sure you’ll be approved that the aplicación will send you $50 if your application is denied.
Credit Karma’s full suite of features includes options for coche insurance, personal loans, home loans, and more.
Discharge: Credit Karma for Android | iOS (Free)
2.NerdWallet
NerdWallet is one of the best ways to choose your next credit card. It will automatically give you credit card recommendations based on your creditworthiness, but you cánido even have NerdWallet provide you with personalized card recommendations based on your current needs.
You cánido search for a card based on various categories such as travel, cash back, or your monthly spending habits. NerdWallet will choose a handful of cards that it thinks are a better fit for you. Even better, you cánido select up to three cards to compare side by side. NerdWallet will give you an easy-to-understand card breakdown that includes information like annual fees, rewards programs, and more.
Discharge: NerdWallet for Android | iOS (Free)
3. Experience
Although digital payment methods are replacing physical credit cards, keeping on top of your credit score is still extremely important. And Experian is one of the best ways to keep track of where your credit score stands right now.
Although many aplicaciones perro calculate your credit score, one of the biggest advantages of choosing Experian is its scoring model. Most credit card applications provide a score from TransUnion or Equifax, both of which use VantageScore 3.0 to generate your credit score.
On the other hand, Experian emplees FICO Score 8, the same scoring model used by many banks and credit card issuers. That means your Experian score is often closer to what lenders see before they approve or deny your credit card application.
But Experian cánido give you more than just information about your credit score. It also offers free credit monitoring that perro help keep you safe even if a criminal emplees a credit card skimmer against you. You perro also see a detailed breakdown of your overall financial picture in the aplicación, read helpful articles on credit and money management, and explore credit card offers curated for you.
Discharge: Experian for Android | iOS (Free, subscription available)
4.WalletHub
WalletHub makes it easy to manage your credit cards and cánido even help you rebuild your credit.
After launching WalletHub, you’ll be greeted with your credit score and updated credit card offers. When it comes to recommending cards, WalletHub does a great job of giving you a clear picture of each card’s benefits, current plus offers, and annual fees.
WalletHub is also a great tool to help you increase your credit score faster. Many aplicaciones will recommend paying off debt to build your credit, but WalletHub has a built-in debt management tool to help you do just that.
You cánido use the aplicación to keep track of your cómputos, interest rates, and estimated payment dates. It perro even help you equipo up a custom payment plan designed to help you build your credit and get out of debt faster.
Discharge: WalletHub for Android | iOS (Free)
5. MaxRewards
Credit card rewards come in many forms, some of the most common being point programs and sign-up bonuses. However, juggling multiple plus offers and rewards programs cánido quickly become a complicated process. Fortunately, MaxRewards makes it easy to keep track of everything.
After you backlink your credit cards to the aplicación, MaxRewards will give you a breakdown of your current point cómputo, plus categories, and spending goals. Better yet, MaxRewards cánido monitor your progress and update it as you work toward your goals.
MaxRewards also makes it easy to stay on top of your card plus offers. Credit cards often have rotating plus categories that change from month to month. Taking advantage of these deals means getting plus cash back on purchases in categories like gas, groceries and more.
MaxRewards cánido automatically activate these offers as they become available, making it easy to maximize the value you get from your credit cards.
Discharge: MaxRewards for Android | iOS (Free, subscription available)
6.AwardWallet
If you’re someone who wants to be in full control of your credit card rewards, AwardWallet could be your next best friend.
After the initial setup, AwardWallet will give you a detailed breakdown of all your recent credit card transactions. That means not only giving you a summary of how much you’ve spent, but also calculating how much you’ve earned in rewards on each purchase.
AwardWallet cánido even take a deep dive into your spending and highlight potential rewards you may have missed. It’s also great for helping you redeem your credit card rewards for the highest value possible. By looking at the AwardWallet blog section, you cánido keep up to date with consejos and tricks, plus offers, and general credit card rewards consejos.
AwardsWallet is also great for managing multiple rewards programs. Linking your correo electrónico account with AwardsWallet allows the aplicación to automatically scan your mailbox for up-to-date information on your rewards programs, plus offers, and even things like flight reservations.
And if you’re worried about your credit card number being leaked, rest assured that AwardsWallet emplees industry-estándar encryption to keep your personal data safe.
Discharge: AwardWallet for Android | iOS (Free, subscription available)
Get the most out of your credit cards
Gone are the days of being in the dark about your credit. These days it’s easier than ever to stay on top of your credit score and maximize the rewards you’re earning from your credit cards.
Even if you’re not a credit guru, choosing the right aplicación cánido help you boost your credit score, choose your next credit card, and even get out of debt faster. Being smart with your credit cards could end up paying off big.
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