John Garner, CEO & Co-Founder of Card Curator (cardcurator.com), has earned over $125,000 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
There are two versions of Card Curator, a free version and a premium version. The free version is a credit card recommendation tool that requires no sign-up with the app to use. The tool will recommend the best credit cards in your wallet to use for each purchase based on your geolocation. This feature will also recommend the best possible card to consider adding to your wallet, which is the best credit card currently in the marketplace that can help you earn more rewards according to the spending category.
On the other hand, Premium uses a proprietary algorithm, CardArb™, 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 to 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 premium version of its app.
It’s important to note that all of Card Curator’s 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 are two versions of Card Curator: Free and Premium. Here’s how the two plans compare:
| FREE | PRO | |
| Credit cards to add to your wallet to optimize: | N/A | Cash Back Return Giving Travel Flights Hotels |
| Goal setting | No | Yes |
| Goals, spending & award balance tracking | No | 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. Users can potentially earn between $1,000 to $3,000 in rewards during their trial period thanks to Card Curator’s personalized and impartial credit card recommendations.
Bottom Line
Card Curator helps you earn the most rewards possible on your credit card spending. With its premium version, 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.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
