# OttoRewards — Credit Card Points & Payment > Automates credit card payments to maximize rewards and minimize debt. (iPhone/iPad app by Specs And Lead, LLC.) - Source: https://appshunter.io/ios/app/ottorewards/id6452724886 (this page in markdown: same URL + `.md`) - Developer: [Specs And Lead, LLC](https://appshunter.io/developer/1693758057) - Category: Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 8 App Store ratings · 8 written reviews indexed - Age rating: 17+ - Requires: iOS 13.0 · 97 MB - Languages: English - Released: 2024-10-08 - Data updated: 2026-06-01 - Monetization: subscription - User reviews in markdown: https://appshunter.io/ios/app/ottorewards/id6452724886/reviews.md ## What is OttoRewards? Automatically pay credit card charges so you can build rewards, not debt. APP FEATURES: - Connect your Bank Account & Credit Card - Pay credit card charges on an Automatic or a Non-Automatic basis. Automatic Payment: - App Pays charges you've made over a 15 day window automatically Non-Automatic Payment: - App Pays charges made over a 15 day window with your permission, fast & easy with a single tap via a push notification CREDIT SCORE TRACKING - Track your credit score so you can keep or build a good score! PRICING (monthly renewing subscription) How many cards do you want to track? Personal Tier: 1 card: $6.49/mo with 1 Week FREE TRIAL (renewing subscription) 2 cards: $10.49/mo (renewing subscription) 3 cards: $14.49/mo (renewing subscription) 4 cards: $18.49/mo (renewing subscription) 5 cards: $22.49/mo (renewing subscription) Business Tier: 10 cards: $43.49/mo (renewing subscription) 15 cards: $62.49/mo (renewing subscription) Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ OttoRewards bridges the gap between your bank and your credit card so you can pay automatically so you can keep the rewards and not the debt. **Only available in the United States** ## Key features - Connect bank accounts and credit cards - Automatic credit card payments - Manual credit card payments with approval - Credit score tracking - Rewards maximization - Debt prevention ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | SubscriptionPlans | $14.49 | per month | | SubscriptionPlans | $10.49 | per month | | SubscriptionPlans | $18.49 | per month | | SubscriptionPlans | $6.49 | per month | | SubscriptionPlans | $22.49 | per month | | SubscriptionPlans | $43.49 | per month | | SubscriptionPlans | $62.00 | per month | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Otto_Rewards_Subscription_plan | $8.99 | one-time | | Otto_Rewards_Subscription_plan | $33.99 | one-time | | Otto_Rewards_Subscription_plan | $65.99 | one-time | ## Recent user reviews (8 of 8) All indexed reviews: https://appshunter.io/ios/app/ottorewards/id6452724886/reviews.md ### 5/5 — Morgan *2025-06-18, version 1.0.8* Been using Otto rewards for my credit card purchases. Never late on payments. Ever. Just one less thing I need to worry about. I definitely recommend this service. Very easy to use. ### 5/5 — Convenience *2025-06-18, version 1.0.8* Anything I can do to make life easier is a win-win. Knowing my credit card bills are paid in a timely fashion and my credit score is getting better (checked two weeks ago) makes me a happy camper. I cannot recommend Otto enough! ### 5/5 — Great for young adults! *2024-10-14, version 1.0.3* Great app for my college aged children to manage their expenses and build strong credit! ### 5/5 — Best App for Business *2024-10-12, version 1.0.3* I’ve been using Otto Rewards for my custom vanity business, and it has been a game-changer. The app automates paying down my credit card balance, which allows me to maximize rewards without worrying about missing payments. This is especially useful in my line of work where purchases for materials and supplies can add up quickly. The seamless integration ensures I get the most out of my credit card perks, helping me manage cash flow efficiently while earning rewards. It’s been an invaluable tool for keeping my finances organized and rewarding my business spending. ### 5/5 — Happy lady! *2024-10-10, version 1.0.2* This app is so Fantastic!! Otto Rewards has added simplicity and organization back into my life. I’ve been so pleased with it, I’ve shared with all my friends. Otto Rewards is a Financial Game Changer!! ### 5/5 — Seamless app *2024-10-10, version 1.0.2* This app is seamless! The features of automatic pay or pay on demand make managing credit cards stress-free. Love it! ### 5/5 — Best credit app EVER!!! *2024-10-10, version 1.0.1* It’s helping me get my cards back on track and help me boost my score, huge added bonus is I’m racking up points! ### 5/5 — 10 out of 10 *2024-10-10* Love it, helps me keep my cards with low balances (even the two I have with no rewards) doing everything I can to stock up my rewards for vacation next summer! ## Frequently asked questions about OttoRewards ### How does OttoRewards help me build rewards? OttoRewards automates your credit card payments, ensuring you never miss a payment and can continuously earn rewards. By paying off charges within a 15-day window, it helps you avoid interest and focus on accumulating points or miles. ### What are the payment options in OttoRewards? OttoRewards offers two payment options: automatic, where charges are paid without further action, and non-automatic, where you receive a push notification to approve payments within a 15-day window. This provides flexibility in managing your credit card bills. ### Can I track my credit score with OttoRewards? Yes, OttoRewards includes a credit score tracking feature. This allows you to monitor your credit health directly within the app, helping you maintain or improve your score over time. ### What are the subscription costs for OttoRewards? OttoRewards offers a tiered subscription model based on the number of cards you wish to track. Prices range from $6.49/month for one card (with a 1-week free trial) up to $62.49/month for fifteen cards, with various options in between for personal and business tiers. ### Is OttoRewards available outside the United States? No, OttoRewards is currently only available for users located in the United States. This is due to the specific financial regulations and services it integrates with. ### How often is OttoRewards updated? The latest version of OttoRewards is 1.7, and it was last updated on March 7, 2026. While this indicates a recent update, users can expect ongoing improvements and feature additions. ### What devices does OttoRewards support? OttoRewards is designed for Apple devices, specifically supporting iPhone and iPod. Users on these platforms can leverage its features for credit card management. ### What is the age rating for OttoRewards? OttoRewards has an age rating of 17+. This suggests that the app's content and features are intended for mature users who can manage financial responsibilities. ## Version history (last 5 releases) ### 1.9 — 2026-04-17 bugfix ### 1.7 — 2026-03-07 Improvment and some bugfix ### 1.6 — 2026-01-15 Fixed a bug in the signup ### 1.5 — 2025-11-04 Improvements to onboarding process. ### 1.0.8 — 2025-06-09 What’s New Auto payment feature is now available. Balance duration updated from 10 days to 15 days. Improvements Enhanced performance and connection stability. UX improvements for a smoother user experience. Bug Fixes Fixed subscription tier-related issues. Other minor bug fixes and stability improvements. ## Apps similar to OttoRewards | App | Rating | Price | Category | | --- | --- | --- | --- | | [Bill Organizer, Budget Planner](https://appshunter.io/ios/app/bill-organizer-budget-planner/id1671349184) | 4.4 (43) | Free | Finance | | [MaxWorth:AI Credit Card Tool](https://appshunter.io/ios/app/maxworthai-credit-card-tool/id6745807856) | 4.1 (76) | Free | Finance | | [WalletFlo-Credit Cards & Deals](https://appshunter.io/ios/app/walletflo-credit-cards-and-deals/id1540093145) | 4.8 (152) | Free | Finance | | [Balance My Checkbook](https://appshunter.io/ios/app/balance-my-checkbook/id659063449) | 4.7 (4,543) | Free | Finance | | [$5 Bill Helper](https://appshunter.io/ios/app/5-bill-helper/id1621002428) | 4.7 (13) | Free | Finance | | [CreditRich](https://appshunter.io/ios/app/creditrich/id1623581902) | — | Free | Finance | --- *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 2026-06-01.*