1. Home
  2. 💰 Finance
  3. Birch Finance
Birch Finance

Birch Finance

Credit Card Rewards Simplified

382 ratings
50 reviews
💰 Finance

Archived App

This is an archived listing of the app previously available on the App Store.

Although the app is no longer distributed by Apple, you can still view its description, screenshots, version history, ratings, and metadata for reference.

Details

  • Released
  • Updated
  • March 7, 2017
  • January 20, 2021

Developer

Birch Finance, LLC
✨Promote your app ✨
Birch Finance screenshot #1 for iPhone
Birch Finance screenshot #2 for iPhone
Birch Finance screenshot #3 for iPhone
Birch Finance screenshot #4 for iPhone
Birch Finance screenshot #5 for iPhone
📌Ready
Reviews summary↘︎
⭐50
Reviews↘︎
🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦w/o updates
Updates frequency↘︎
🖼️Get Icon
Icons↘︎

About

This finance app helps you maximize credit card rewards by analyzing your spending and recommending the best cards for each purchase. It also tracks subscriptions and provides spending insights to help you save money.

✓Credit card rewards analysis
✓Purchase recommendations
✓Subscription tracking
✓Spending insights
✓Card optimization
✓Rewards value visualization
Show original description

What users say

Summarized from real user reviews of Birch Finance. Based on 382 reviews and a 4.2/5 average, it highlights the 8 positives and 12 negatives reviewers mention most about this Finance app.

Positive things

  • 💡Innovative rewards tracking and optimization concept
  • 👍User-friendly interface and design
  • 📊Comprehensive spending breakdown by category
  • 🎯Helpful missed rewards identification
  • 💰Potential to save significant money on rewards
  • 🔄Frequent app updates and improvements
  • 👥Responsive customer service (when available)
  • 📱Easy account setup and aggregation

Negative things

  • 🐛Frequent app crashes and freezing
  • 🔒Requires sensitive login credentials (security concern)
  • ❌Poor transaction categorization accuracy
  • 📉Incomplete card database and missing cards
  • 🚫Non-existent or unresponsive customer support
  • 🔄Syncing issues and data inconsistencies
  • ⚠️Incorrect rewards calculations and information
  • 🐌Slow app performance and loading times
  • 🔴Incompatibility with iPhone X and iOS 12
  • 📱App won't open or launch on some devices
  • 🔀Double-counting transactions and payments
  • ❓Vague and inaccurate merchant categorization
See all reviews

What's New in Birch Finance

2.3.4

January 20, 2021

Bug fixes and general UX improvements.

User reviews

Most RecentHighest RatedLowest Rated

Not accurate

Doesn’t import and rate my rewards
Liz ArezinaLiz Arezina

Doesn’t work

Linked all my accounts, but home screen is just a spinning wheel. I don’t think customer service is real because they just don’t respond. What a shame :(
rleebondrleebond

Wants your secure info

Unable to use the app unless you give your private secure logon info. Not a good idea even if they are ethical bc you have to worry about them getting hacked and losing your info. Guaranteed they won’t be held liable when your info is compromised.
B3hr057B3hr057

This application is a waste of time!!

Doesn't work at all!!
Gene40Gene40

App doesn’t work

Set up an account. When I go to add my accounts, the app crashes.
jeyk3jeyk3
See 45 more reviews

User experience

🐞

Reported Bugs

12 issues

App crashes on launch (especially iPhone X, iOS 12)

Bug

Spinning wheel on home screen with no functionality

Bug

App crashes when adding accounts or viewing recommendations

Bug

Login failures with valid credentials

Bug

Syncing stops after short period, requires reinstall

Bug

Double-counting credit card payments as spending

Bug

Incorrect rewards calculations (showing 1x vs 2x)

Bug

Transaction categorization errors (rent as home improvement)

Bug

Missing card support (Discover It, Bank of America Premium)

Bug

Connection issues with certain banks (Amex, Delta Skymiles)

Bug

Hidden accounts still showing as visible

Bug

Wallet not displaying on website

Bug
✨

Requested Features

10 requests

Manual transaction category editing capability

Feature

Real-time card recommendations at point of purchase

Feature

Support for quarterly bonus categories (e.g., Discover)

Feature

Integration with Bank of America Preferred Rewards program

Feature

Ability to exclude certain categories from scoring

Feature

Loyalty rewards tracking (points/miles management)

Feature

Distinction between investment and spending accounts

Feature

Support for more credit card types and issuers

Feature

Better handling of ATM withdrawals and transfers

Feature

Web version parity with mobile app

Feature

FAQ

What does Birch Finance do?

Birch Finance analyzes your spending habits and credit card rewards to recommend the best card to use for each purchase. It helps you maximize the rewards you earn and provides insights into your spending patterns and subscriptions.

How does Birch Finance help me earn more rewards?

The app analyzes your spending and compares it to the rewards offered by the credit cards you have. It then suggests which card to use at specific merchants or locations to earn the most points, miles, or cashback.

Is Birch Finance free to use?

Yes, the application is free to download and use. There are no in-app purchases or advertisements mentioned in the provided description.

What kind of information does Birch Finance track?

It securely syncs your credit and debit accounts to track spending across all of them. It also monitors over 700 monthly subscriptions and analyzes millions of data points to show the real dollar value of your rewards.

Can Birch Finance help me if I'm new to credit cards?

Yes, if you are new to credit cards, Birch Finance can recommend the best cards for your spending habits, helping you start earning rewards from the beginning.