John Garner, CEO & Co-Founder of Card Curator (cardcurator.com), has earned over $75,000 in rewards, racked up more than seven million miles, and traveled to almost 90 countries through his credit cards.
An expert in earning points and miles, cashing in rewards for maximum value, and opening and closing accounts to take advantage of generous sign-up bonuses, John wanted to create a platform that made strategic credit card rewards a breeze. And so, Card Curator was born. Let’s dive deeper into the credit card rewards optimization tool below.
How Card Curator Works
Card Curator uses a proprietary algorithm to help you get the most out of your credit card spending. Here’s how it works:
- The algorithm takes a look at your linked cards and goals.
- It takes into consideration banking rules, Chase’s 5/24 rule, airline alliances, transfer ratios, points and miles valuations, your geolocation, and more.
- The app gives recommendations to maximize your earning. For example, what card you should add to your wallet now and which one you should get rid of.
- The app also gives recommendations to maximize the value of your rewards, like the best way to combine your points and transfer them to achieve the goals you set for yourself.
Let’s say, for example, you’re at your favorite bistro. Card Curator will use your geolocation to identify that you’re at a restaurant and will recommend you your new credit card that offers 10x points on dining in your first six months.
All in all, the company claims you can earn between 5% and 10% or more on your card spending with the app.
It’s important to note that Card Curator recommendations are 100% independent and objective. The app does not earn commission for recommending certain products from card issuers. The app is currently in its beta version and is only available in the United States.
Card Curator Plans & Pricing
There’s a Free and Pro version. Here’s how the two plans compare:
| FREE | PRO | |
| Credit cards to add to your wallet to optimize: | Cash Back Return Giving | Cash Back Return Giving Travel Flights Hotels |
| Goal setting | Yes | Yes |
| Goals, spending & award balance tracking | Yes | Yes |
| Payment | Free | Subscription |
There are two pricing options for the premium version:
- $5.99/month
- $60/year
Card Curator is currently offering a free 90-day trial of its premium version to new users.
Bottom Line
Card Curator helps you earn the most rewards possible on your credit card spending. The app does all the back-end work, telling you how to optimize the cards you already have, suggesting new cards to help you meet your goals, and letting you know which card to use for a particular purchase. If you want to win at the credit card rewards game, Card Curator is a must.
You might also be interested in Extra.app. It’s a debit card that earns rewards and builds your credit.
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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.