Free
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About
SpendBen helps you get more from the credit cards you already have. It uses your location to identify where you’re shopping and recommends which card to use based on the rewards you want to earn.
Want airline miles? Cash back? Points? Tell SpendBen what matters to you and get a recommendation before you pay.
KNOW WHICH CARD TO USE
Open SpendBen when you’re ready to pay. It uses your location to identify the store, restaurant, or other business you’re visiting.
If the location isn’t quite right, simply choose from nearby places.
SpendBen then looks at the cards you’ve added and tells you which one to use based on your rewards goal.
EARN THE REWARDS YOU WANT
Different cards reward different purchases — and the right card depends on what you’re trying to earn.
Set your rewards goal and let SpendBen help you earn more of what matters to you, including:
• Airline miles
• Cash back
• Credit card points
• Other card rewards
GET MORE FROM THE CARDS YOU ALREADY HAVE
You don’t need another credit card. You need to get more from the cards already in your wallet.
SpendBen helps you take advantage of different rewards for dining, groceries, gas, travel, shopping, and everyday purchases — without memorizing which card earns what.
Add your cards once. Set your goal. Then check SpendBen before you pay.
LOCATION-AWARE CARD RECOMMENDATIONS
At a restaurant? Grocery store? Gas station? Coffee shop?
SpendBen identifies where you are and recommends a card for that purchase. If you’re choosing between nearby businesses, you can select the place yourself.
No digging through card benefits.
No memorizing rewards categories.
No guessing at checkout.
SpendBen — spend smarter and get more from every purchase.
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What's New in SpendBen
1.1.0
September 16, 2026
• Improvements to the SpendBen app experience. • Updated app information and general refinements.











