# Birch Finance — Credit Card Rewards Simplified

> Credit card rewards optimization and spending tracker. (iPhone/iPad app by Birch Finance, LLC.)

- Source: https://appshunter.io/ios/app/birch-finance/id1159533933 (this page in markdown: same URL + `.md`)
- Developer: [Birch Finance, LLC](https://appshunter.io/developer/1159533932)
- Category: Finance
- Price: Free
- Rating: 4.18/5 from 382 App Store ratings · 50 written reviews indexed
- Age rating: 4+
- Requires: iOS 12.0 · 80 MB
- Languages: English
- Released: 2017-03-07
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/birch-finance/id1159533933/reviews.md

## What is Birch Finance?

Birch is the #1 finance app that simplifies credit card rewards and keeps track of your spending.

The average shopper can earn up to $700 worth of rewards each year, just by using a reward earning credit card and paying off the balance each month. Birch analyzes your spending and shows you which cards in your wallet to use on every purchase.

New to credit cards? 
Birch recommends the best cards for your spending habits so you can start earning rewards.

Already have multiple cards? 
Stop trying to memorize all the different ways to earn and redeem rewards and let Birch show you how to optimize the cards in your wallet.

Using Birch is easy—here's how it works:
- Securely sync your credit and debit accounts by simply logging in with your bank's username and password.
- Tell Birch what rewards you like. From flights to hotels to cash back, Birch automatically weeds out cards that don't match your preferences and only recommends cards that fit with your personal spending habits.
- See the real value of rewards. Birch tracks millions of data points and shows points and miles as a dollar value.
- Figure out how you can spend better. Birch looks at your past spending to see when you missed out on rewards by using the wrong cards in your wallet. (The average Birch user earns an additional $200 a year in rewards!)
- Always know what card to use. Birch recommends the best card in your wallet to earn rewards at places nearby along with an up to date list of your active bonus categories. 
- See where your money is going and spend smarter. Birch tracks spending across all of your accounts to show you spending trends and actionable insights. (You'll never guess how much you spend a month on burritos...)
- See how your monthly payments stack up. Birch also automatically tracks over 700 monthly subscriptions. From the WSJ to Netflix, you'll never forget about a monthly payment.

## Key features

- Credit card rewards analysis
- Purchase recommendations
- Subscription tracking
- Spending insights
- Card optimization
- Rewards value visualization

## What do users think of Birch Finance?

Overall sentiment: negative

**Pros**

- 💡 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

**Cons**

- 🐛 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

**Commonly reported bugs**

- App crashes on launch (especially iPhone X, iOS 12)
- Spinning wheel on home screen with no functionality
- App crashes when adding accounts or viewing recommendations
- Login failures with valid credentials
- Syncing stops after short period, requires reinstall
- Double-counting credit card payments as spending
- Incorrect rewards calculations (showing 1x vs 2x)
- Transaction categorization errors (rent as home improvement)
- Missing card support (Discover It, Bank of America Premium)
- Connection issues with certain banks (Amex, Delta Skymiles)
- Hidden accounts still showing as visible
- Wallet not displaying on website

**Most requested features**

- Manual transaction category editing capability
- Real-time card recommendations at point of purchase
- Support for quarterly bonus categories (e.g., Discover)
- Integration with Bank of America Preferred Rewards program
- Ability to exclude certain categories from scoring
- Loyalty rewards tracking (points/miles management)
- Distinction between investment and spending accounts
- Support for more credit card types and issuers
- Better handling of ATM withdrawals and transfers
- Web version parity with mobile app

## Recent user reviews (10 of 50)

All indexed reviews: https://appshunter.io/ios/app/birch-finance/id1159533933/reviews.md

### 1/5 — Not accurate

*2021-08-25, version 2.3.4*

Doesn’t import and rate my rewards

### 1/5 — Doesn’t work

*2020-08-13, version 2.2.0*

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 :(

### 2/5 — Wants your secure info

*2020-06-19, version 2.1.5*

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.

### 1/5 — This application is a waste of time!!

*2020-06-18, version 2.1.5*

Doesn't work at all!!

### 1/5 — App doesn’t work

*2020-04-13, version 2.1.5*

Set up an account. When I go to add my accounts, the app crashes.

### 3/5 — Credit card types are missing.

*2019-09-22, version 2.1.5*

Would give it more starts but all credit cards are not listed.

### 1/5 — Nonexistent Customer Support!

*2019-07-27, version 2.1.5*

I am not able to add my Discover It card. I contacted Discover and they said it’s not on their part. I contacted Alex the founder is Birch several times and have not received a response in 6 weeks. I contacted another Alex (Chief Technology Officer) and no response. Lastly, I contacted Sam (Head of Research) and no response. It’s ironic that I contacted them on the live chat feature and I haven’t received any customers support response in 6 weeks. Customer support is non existent on this app.

### 3/5 — Not considering 5% cash back for chase freedom

*2018-12-28, version 2.1.0*

Most of the time it is accurate. But it recommended using chase freedom unlimited for Costco instead of chase freedom. I guess it did not consider 5% cash back for chase freedom.

### 5/5 — Everyday need

*2018-12-02, version 2.1.0*

This app is my go to app for savings . Little bit adds up , I was surprise to see my savings accumulate.

### 1/5 — Incorrect points

*2018-11-27, version 2.1.0*

Points have been updated per Marriott website but Birch is incorrectly reflecting 1x versus 2x

## Frequently asked questions about Birch Finance

### 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.

## Version history (last 1 release)

### 2.3.4 — 2021-01-20

Bug fixes and general UX improvements.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*